BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-17
Company: CITIBANK, N.A.
State: MA
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:
I canceled my Citi Bank Credit Card ending in number XXXX a few weeks prior to XX/XX/XXXX and was reassured this card was deactivated and I received the replacement card 2 weeks prior to XXXX XXXX transaction in the amount of {$1400.00} being authorized for payment by the corporation. The Citi Bank Representative asked prior to the cancelation of the card number ending in XXXX if the charge of {$74.00} from XXXX was legitimate, and I agreed to the {$74.00} which was the only pending transaction at the time. Furthermore, I had already received my new card ending in XXXX two weeks prior to the transaction posting, and to my surprise the transaction of {$1400.00} was approved! I feel as though someone at the bank failed to cancel the card ending in XXXX. The only authorized transaction that I agreed to, that was legitimate was {$74.00}. My authorized user XXXX XXXX was aware of the card being canceled, and he reassured me he paid XXXX the bill in cash. He stated that the cash receipt was misplaced and was not expecting XXXX to put the transaction through. The only amount that I thought, and agreed to being transferred over to my new card number ending in XXXX was {$74.00}, and not XXXX. Furthermore, that total quite obviously exceeds my credit limit so I would never have authorize it. Lastly, this is the reason that I do not have a receipt at hand. 
P.S. this over the limit credit charge has affected my credit score, so please have the derogatory remark removed immediately. 
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 explanation
Consumer complaint received 2018-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I am a longtime customer and I brought XXXX to my local Bank of America branch to exchange for dollars on XX/XX/XXXX. These notes were 10 notes that are currently being taken out of circulation but are still legal tender untiXX/XX/XXXX I was told Bank of America could not accept these notes as of XX/XX/. 

These notes are still legal tender and I should be able to exchange them. I tried to contact someone within B of A that might have more knowledge about foreign currency but could not get past the initial customer service representative that could not have cared less about my issue. 

I am wondering if they were looking at the dates incorrectly. The teller told me that the bank stopped taking those notes as ofXX/XX/XXXX. If they were looking at English resources to check the notes thenXX/XX/XXXX would be writtenXX/XX/XXXX whereas in the US that date would be read as XX/XX/XXXX. 

XXXX XXXX XXXX XXXX is pulling the old 10 notes out of circulation to be replaced by newer polymer notes and I wont be back in XXXX until past theXX/XX/XXXXdeadline. Considering that I received those notes from Bank of America from my last foreign currency purchase it would have been nice to get a heads up about them not accepting the notes after a certain date.

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 2021-11-07
Company: Financial Data Systems
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: Information belongs to someone else

Complaint:
I initially submitted a previous complaint regarding the same issue ( # XXXX ). I just received a written response from XXXX. The issue is still unresolved and just as troubling my credit report is filled with inaccuracies regarding my personal information. To recap, the merchant XXXX XXXX XXXX 2 reported 2 accounts as delinquent to both XXXX and XXXX in XXXX. Both companies concluded neither account belonged to me. In XXXX, the same merchant again reported the same 2 accounts to both credit reporting agencies. However, while XXXX again concluded neither account was mine, XXXX now says they are mine. In the credit report XXXX sent me, they did not.provide me receipts or any other documentation showing the accounts are mine. They simply stated, " we verified that this item belongs to you. '' But no details were included, not even an address " unknown ''. So I am absolutely stating these accounts are not mine. And after reviewing the personal details of the credit report XXXX sent me, I am 100 % certain I am the victim of identity theft and/or fraud. Here are the reasons why : 1. My name on the report is listed as XXXX XXXX XXXX XXXX ( I have never in my life added any suffix to my name. 

2. The report lists a previous address as XXXX XXXX XXXX, XXXX, TX XXXX. That house is across the street from me. I HAVE NEVER LIVED THERE. My fear is the postboffice may have inadvertently delivered mail to the incorrect address at some point. My now deceased wife was an identity theft victim years ago when our mailbox was breached. 

3. The report also lists a previous address for me as XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I HAVE NEVER LIVED AT THAT LOCATION. 

4. Lastly, the report states both collection accounts were created on the same day with 2 separate account numbers on the same day ( # XXXX & # XXXX ) .How is that possible when I am one person? In addition, I have had excellent medical coverage through my employer for the last 16 years. Due to extensive health issues I met my deductible early in XXXX and certainly would not have had a copay for any medical services especially in XX/XX/XXXX. Nor would I have received any medical services from any provider who did not accept my insurance. 

XXXX had not provided me with ANY documentation or tangible proof that these 2 collection accounts belong to me, other than to say, " we verified this item belongs to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I've been struggling to pay this loan back because of a change in mine and my wife 's income! I've made payments the last several months to avoid " Charge Off '' and called to the company again today because I received another letter that was delivered to my house on Saturday XX/XX/XXXX. The letter was dated the XX/XX/XXXX and was delivered the XX/XX/XXXX. It arrived XXXX XXXX. Normally these letters arrive in the mail and have a more timely window before demanding payment. I informed the company over the phone that I was not able to make the payment of {$95.00} this month. My wife and I are in a rent agreement with our landlord to pay {$500.00} a month and my wife does not get paid until Thursday. As of the end of the month I would not have the funds available to cover the loan payment because of needing to cover my rent! I informed the company of this important matter and was then forwarded to payment assistance. For the past few months they have been telling me that I could be forwarded to payment assistance to a get a lower payment plan but there is a never a solution to extend a period of grace for me to make this payment. I missed a few months of payments 4 to be exact due to leaving my job and starting my own business. I have told the company of this matter several times and that I've had a cut in my mine and my wife 's income by about half. The company has not tried to make a negotiation with me to help lower my monthly payments. Most companies are willing to help you out and allow you to make lower monthly payments and I know this because I'm working with other companies I have debt with and normally even if your several months past due and have missed payments they work with you. This company does not have any kind of assistance. I have tried working with them to make a plan but all that they demand is the amount due before the loan would charge off. I've expressed my desire to leave the company all together and do banking with other companies. A financial hardship is difficult to overcome and when you are in the midst of it and have fallen behind the least you expect is that these corporate companies can work with you. I have attached screen shots of my phone showing last months payment, my current bank account balance, my recent letter from Wells Fargo, my rent payment from last month that shows I pay rent the end of the month and the amount in which I pay. I have said to them on the phone that I could not make the payment because of having to pay the rent expense. They refused to work with me or allow me to post date a payment because of the duration that the account is passed due.

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 2021-11-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to delete immediately : ACC-Date of inquiry XX/XX/2021 XXXX  XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
i had a credit card with Cabelas. They change who services their cards to Capitol One. It was at the time of the change of providers my credit information was breached. Cabelas and Capital One are responsible for this breach. this has caused me to be inconvenienced by spending hours talking with Cap One, sending emails to the CFPB, overnighting the payment for the charges i owed, talking to the bank and social security. I have had to spend money on fraud protection and freeze my credit. My credit score has gone down because Cap One has sent me two new credit cards. one of which i never received. Have other people been affected during this change of providers? 

I also received an email from Social Security telling me someone tried to change the password on my social security account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

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 2021-11-07
Company: Mr. Cooper Group Inc.
State: AR
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:
On XX/XX/2021 Nationstar/Mr.Cooper, did a credit correction on my XXXX credit report dispute on XX/XX/2021. When I checked my other credit reports I notice Nationstar/Mr.Cooper has not updated and correct my XXXX and XXXX credit reports. My mortgage Loan account is current and I would like this error fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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: Information belongs to someone else

Complaint:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance mortgage with a company called LoanDepot. The loan was approved and scheduled to fund XX/XX/XXXX. I received an email indicating that loan funded and the title company XXXX XXXX XXXX would be sending a wire to my existing mortgage company, XX/XX/XXXX. As of today no wire transfer has been sent. 

I've emailed the loan processor and numerous others at LoanDepot for assistance. No one responds to emails. I sent email on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. I finally received a response late the night of the XXXX indicating that the wire would be sent. Still nothing. The loan processor is named XXXX XXXX. 

I now have two loans i'm responsible for from XX/XX/XXXX. I'm worried about my credit as one of these loans should have been paid off by the refinanced amount. I can be reached at XXXX or emailed at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2018-01-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX transfer my loan to SPS servicing. For the last three years they have tormented me stating they dont have proof of flood insurance and I know they do because it renews in XXXX  every year and they have all the information. Every year they threaten to force place Flood insurance on me at the rate of {$4500.00} per year. I have provided them proof and they keep threatening. Most recently XX/XX/2018. Every time I call in there I get stuck talking to a person from a different country that can not understand English. 

When my loan was modified by XXXX XXXX XXXX they took advantage of me and my family financially ( by placing us in a 40 year loan that we didnt need ). Then they turn around And sell the loan to SPS Because they did not want 40 year loans on their books. 

It has been a complete headache in more ways than one. Please Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my 4th attempt contacting the credit bureau about the afore mentioned accounts. These accounts do NOT belong to me and I ask that they be deleted from my credit profile. 

FDCPA Section 807 Violations Mispleading False Reporting US BKPT CT MO XXXX XXXX Bankruptcy XXXX XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court US BKPT CT MO XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$570.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$570.00} {$570.00} Payment Info Original balance {$570.00} Balance {$570.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/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 2021-11-07
Company: EQUIFAX, 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 recently reviewed my Credit Profile and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

Company response to consumer: Closed with explanation