BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-06
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I filed a complaint against Citibank where my personal e-mail was used by an individual to apply for a mortgage with the Bank under XXXX XXXX. XXXX. A letter from Citibank dated XXXX " it was an error from the Bank and the Bank has subsequently removed my e-mail from their record ''. However, on XX/XX/2021 I received another e-mail from Citibank again regarding a mortgage application no. XXXX. This is totally in contradiction with the response letter from Citibank where they claimed they have removed my personal e-mail. Therefore, I am requesting Consumer Financial Protection Bureau for assistance in resolving this matter. 
Thank you. 

Attachments : E-mail from Citibank dated XX/XX/2021 Copy of the original complaint E-mail from Citibank dated XX/XX/2021 which caused me to filed the complaint with CFPB. 
XXXX dated XX/XX/2021 from Citibank in response to my complaint. 
Noted documents are not in order.

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 2018-02-26
Company: Law Offices of Thomas B. Peterman, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company has been calling me and all my Family members. Impersonating lawyers, and threatening to sue, aggrevating, and harrasing.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On the morning of XX/XX/XXXX my credit card was used with the pin number to withdraw over {$3000.00} in less than an hour. USAA has not been helpful in the slightest. They ignore my phone calls and take days to respond. Somewhere between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, my cards were lost/stolen. I had no idea I was missing them until the next day. According to their policy only {$1000.00} should be able to be taken out on a credit card in a XXXX hour period. The fraud department told me it varies based on ATM while over 6 reps in the credit card department have told me it is a {$1000.00} limit and confirmed it is not ATM based. Their system failed and they are trying to make me pay for it. This has been very difficult to resolute. USAA made no effort to look into the fraud, they never bothered to try to gain video footage. 2 of the locations money was pulled from was literally banks, and they told me I have to do it all on my own. I tried to do that and realized I need police help so I filed a police report. This was filed almost two weeks after the event as USAA never recommended or suggested filing one. I was unfamiliar with this and thought they were handling everything. They have been rude and uncooperative. USAA is failing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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: Account status incorrect

Complaint:
XXXX ACCOUNT BEING REPORTED TO THE CREDIT BUREAUS SHOWING AS OPEN, WITH BALANCE AND LATE PAYMENT WHEN IT SHOULD BE CLOSED. ATTEMPTED TO RECTFIY ISSUE WITH BUREAUS BUT THEY ALL SENT INFORMATION REFUSING TO REMOVE THE ACCOUNT. I EVEN SENT THEM EVIDENCE FROM XXXX  THAT STATES THAT THE ACCOUNT IS CLOSED WITH A {$0.00} BALANCE. 

THIS IS HAVING A DETRIMENTAL IMPACT ON MY CREDIT SCORE AND REPORT.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: FL
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:
Experian has violated my protected federal consumer rights on multiple occasions and instances. Referencing Account # XXXX, XXXX and XXXX all from US Dept of ED and US DEPT OF EDXXXX. This account was removed due to reporting compliance errors and has as been added again with incorrect information. According to Experian information is sold between collection agencies the open date/ account date is not to be changed as in making the old debt appear new. This was clear violation when my account went to US DEPT OF ED/XXXX that had a open date of XX/XX/XXXX. As of XX/XX/XXXX the account was again disputed and removed from my report which shows proof that you have been willfully negligent is correcting these inaccurate reports and information. Still without written notice to me the consumer this transaction is negatively affecting. referencing my report from XX/XX/XXXX the loan was placed back on my account with another fraudulent open date. Not once was I notified nor were there any reasonable procedures maintained to prevent reappearance to this deleted material pursuant 15 USC 1681 I ( C ). This information is not only inaccurate, but it is fraudulent as well. Also, I never gave Experian nor US Dept of EDXXXX written instruction to furnish anything in my name, pursuant to 15 USC 1681 b # 2. It is illegal under the FCRA to furnish information that is knowingly inaccurate and incomplete, pursuant to 15 USC 1681 s-2 ( a ) ( b ) ( 2 ). Experian is willfully non-compliant and hereby liable pursuant to 15 USC 1681 N & 15 USC 1691 K. These accounts XXXX, XXXX and XXXX have been deleted and reinserted without written notice given to me a total of 3 times. These multiple occurrences and reinsertions prove that this wasn't a mistake or unintentional. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]

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 2021-06-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX the natural person have been a victim of identity theft. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY NUMBER ( Social Security # : XXXX ), This complaint lists someone that your company should recognize as their customer or their customers authorized representative.I contacted all the credit reporting agencies on XX/XX/2021 and told them that these accounts were fraudulent. I understand that under 15 U.S. Code 1681c2 they were supposed to block the accounts after receiving my statement, but they ignored my consumer rights and left it on my report. it is now XX/XX/2021 and these fraudulent accounts are still appearing on my credit report. this is illegal, and I ASK THE CFPB TO HELP remedy this situation. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX  and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My account with US Bank Home Mortgage is in the foreclosure process, so I made the decision to sell my home before the process can be completed. XXXX XXXX XXXX XXXX sent a payoff demand request on XX/XX/XXXX and US Bank has given me the run around stating they have no record showing such request, but the attorney 's office is telling me that they have the request and are waiting on the numbers from US Bank. It is now XX/XX/2020 and they have not completed anything, which has been in their hands for 2 weeks now. I was also informed by US Bank that this could take up to two additional weeks to completed which is past the contract date of XX/XX/XXXX. I'm trying to get the bank paid off in full and no one has completed the request to get this completed.

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 2018-05-15
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt collector Paramount Recovery has illegally obtained a medical debt that was originally started in XX/XX/XXXX from an Emergency Room visit. This debt is now over 10 years old and is being represented as a new collection as of XX/XX/XXXX. This debt is past the statue of limitations for the state of Florida. I have never received any notifications by phone email or postal mail for this account. This company has now placed this account on all my Credit Reports and as result has seriously affected my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Experian Information Solutions Inc.
State: LA
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 been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, the following accounts and info are fraud!! 
1.XXXX  XXXXXXXX  XXXX XXXX XXXX Account Number XXXX Date OpenedXXXX 2.XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX Date Opened XX/XX/XXXX 3.XXXX  XXXX XXXX  Account NumberXXXX Date  OpenedXX/XX/XXXX 4.XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Date OpenedXX/XX/XXXX 5XXXXInquired on XX/XX/XXXX 6.XXXX XXXXInquired on XX/XX/XXXX 7.XXXX XXXXInquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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 recently came across my updated 3 bureau report and noticed that my credit scores drastically changed.

I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-11-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: GA
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:
Someone has acquired my personal information and have applied for services. I've a fraud alert on my credit file.I wasn't contacted by XXXX  or the companies running these inquiries.I 've contacted the businesses and they're telling me to contact the credit reporting agencies, the agencies are telling me to contact the 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 2021-06-06
Company: BTH Management
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Plaza Servic for the amount of {$400.00}. Account says it was opened XXXX XXXX. Account has been placed for collection. However, I never received anything in writing saying this account was going to be placed in collections.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: NCB Management Services Inc.
State: CO
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 do not recognize the debt listed from XXXX XXXXXX/XX/XXXX. I have disputed this with XX/XX/XXXX who upheld the debt. I have no idea what this is or why it's on my report. It is showing an open balance of {$3000.00} and opened on XX/XX/ but it does not indicate what the debt even is! 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The company fails to respond to my written request for validation of the alleged debt. The amount is reporting in correct and it is reporting as a negative when the account should be closed. They have failed to provide me proof of the debt bearing my signature etc. Under the law they are to delete if validation can not be provided.

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 2018-05-15
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
About a month ago I lost my Discover card and unfortunately somebody else found it I managed to charge about {$150.00} before the card was deactivated when I noticed the card was missing the first thing I tried to do was freeze the account but the website wouldn't let me do that for some reason so I called the woman on the phone said no worries she was going to cancel the card and issue a new one and start a fraud investigation I answered a bunch of questions a week or so later I received phone call I didn't get to the phone in time and they left a message so I called back and they asked a bunch of the same questions but I answered them the gentleman I spoke with said that it was a relatively small amount and that it should be pretty straight-forward he didn't see any thing else that the investigator would need I said Thank you and I hung up couple weeks after that the whole thing happened again I ended up receiving a voicemail I called back and I was asked the exact same questions over again I happily answered them but I did explain to the guy that I'd already answered all these questions he apologized and wasn't sure why the investigator once again I was totally looks like everything 's in order and I hung up when it happened the third time to say the least I wasn't as patient I couldn't understand why you repeatedly asked me the exact same questions and I gave you the exact same answers I don't know if you suspected that they were going to change or what was going on at this point I felt like you were kind of giving me the runaround I filed a complaint he eventually responded said that you're working on it I thought to myself well maybe they'll figure this out and we can move on I called one more additional time and I was told that everything look good and they didn't need any further information so I assume that everything has been resolved then today in the mail I get a letter saying that it has been determined that no fraud occurred on your account if I didn't have the card in my possession and it was used for somebody else what do you call that if not fraud? And it goes on to tell me that I'm going to be responsible for the balance I'm pretty sure there are laws in place to protect me from that I don't have to pay because some thief stole my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Nevada Credico, 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: Account information incorrect

Complaint:
I 've been trying to correct this problem with XXXX for some time now. This account was in my bankruptcy, and is named under both XXXX XXXX as the original Creditor and you Quantum collections. I ca n't see why it ca n't be straightened out by them, so im sending you the evidence. If you ca n't help me, I am requesting proof of this account under the fair credit reporting act which I 'm intitled to. This incident occurred when I had my first XXXX and I got it on my Bankruptcy. Not to mention the account is past the statute of limitations to be an open account.

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 2021-09-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I closed my XXXX XXXX Account on XX/XX/XXXX. They said sent me a statement saying I owed them {$7.00}, 2 or 3 times, but I NEVER received any of the statements. I have NEVER paid my bills late and for some reason my mail was returned to them saying my address was incorrect. I never had a problem getting my statements from them before my account was closed. I have lived at this same address sincxe XXXX XXXX. I feel it is VERY unfair to lower my credit score and have this 30 days late payment on my credit report when it was out of my control. If I had known that I owed them money I would had paid it on time as usual like I always have. I want this 30 days late to be removed from and also my credit score reinstated as it was before this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I attempted to fix an issue with my bank account with bank of america XXXX and received various false information about what I should do about the money that was stolen from my account. There was also various transactions that were used to create a false sense of fear with - {$880000.00} removed from both my checking and savings account. 

There was also information that was falsely used to allow for the - {$880000.00} to be removed without applying a hold on the funds that were available or use of proper banking procedures. 

There were also various other attempts to steal or borrow money from other accounts that were directly connected to the government that bank of america assumed were fraudulent or incorrectly funded. Numerous answers that were provided to them were not enough to fix the issues. 

I want to make sure that bank of america realizes that using such codes incorrectly can cause great harm financially to a person as well as hamper a person 's ability to be financially stable especially without proper authorization or investigation before playing a {$1.00} XXXX hold on an account for {$1000.00}.

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 explanation