BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had an Citibank checking acct, a money market account and a line of credit attached to the checking for over-draft protection. I had all three of these accounts for 20 years. I attempted to close all three accounts in early XX/XX/XXXX. Citibank closed the money market account and the line of credit, but failed to close the checking account. They were supposed to close it and refund me the {$15.00} that was in my account. I did not get a letter from them until end of XX/XX/XXXX. The date on the letter was XX/XX/XXXX, but the US mail was delayed at that time. I was surprised to find that the letter was indicating I still had a checking account, and that now because of monthly fees, the account was overdrawn by {$9.00}. Within a day or two, I received a new letter dated XX/XX/XXXX again informing me of an overdraft that was now {$68.00}. I called Citibank again. It was actually quite difficult to get through because the automated system did not recognize the account number on the account that was supposedly still open that I had tried to close. When I finally got through I explained that I had closed the account in XXXX. They said that the first customer service person had failed to close the checking account properly. I was assured that this time they would close the account and reverse the charges that had accrued in the interim. They apologized for the inconvenience. I then received 2 letters, one dated XX/XX/XXXX and the other dated XX/XX/XXXX, both stating that Citibank closed my account and that I now owed {$100.00}! I then called yet again to ask why after twice having attempted to close this account, I was still being charged fees and now being threatened with a collection agency. I was told that there was nothing that they could do now that the account was closed and that I would have to visit my local branch. I have no " local branch '' because Citibank closed all the branches around XXXX years ago. I would have to drive up to XXXX XXXX XXXX to attempt to handle this. I was a loyal customer for many years and I stuck with them even after they closed all the branches and started charging rather exorbitant monthly fees. It seems Citibank is unaccountable for its mistakes. Even worse, somehow I am accountable for Citibank 's mistakes. It's simply unfair.

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 2023-05-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've been a loyal Wells Fargo Customer since about 2007 and I've always had recurring fees, overdraft fees that's they could never explain correctly.

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 2023-04-25
Company: BANCO POPULAR DE PUERTO RICO
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please note that a complete narrative of the events is included in XXXX which is my first language in order to prevent misinformation and the lost of important details needed to present this complaint. 

1. For several years ( since XXXX ) I have been trying to receive information about decisions, status, letters among others from the mortgage account I have with Banco Popular, however the bank refuses to keep my contact information as co-borrower current and available. I have asked Banco Popular on numerous occasions to keep updated information on both parts, borrower and co-borrower on their records without been successful. Banco Popular has stated that if one of the parts changes the contact info they can not do anything to avoid it. 

2. Banco Popular has failed to provide evidence of the cancelation of previous debt on my property ( before the current loan was signed on XX/XX/XXXX ) ignoring federal and state laws among others dispositions and regulations. 

3. Banco Popular has provided misleading and inaccurate information of the nature of the debts marked on my property making me think that I am responsible for it when it is Banco Popular as investors and current owners of the account the solely responsible of provide evidence of cancelation of the legal financial debt on my property BEFORE I became the owner ( Banco XXXX XXXX ). 

4. Banco Popular violated my right to start a loss mitigation process in order to keep my property from foreclosure since XX/XX/XXXX. 

5. Banco Popular has presented a legal process of foreclosure ( dual tracking ) at the same time that is obstructing the Loss Mitigation process forcing me to resign to my legal right to receive a copy of the appraisal as established under COA, 12CFR ; 1002.14 ( a ) ( 1 ), TILA and RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX and I noticed an unauthorized inquiry had been made. 

I contacted bank of anerica, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 

XXXX XXXX Balance Owed : {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: SC
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has been trying to collect money from me that I do not owe. I have been contacted by four collection agencies. Each time I receive a notice about  XXXX in the mail from a collection agency, I reply within 30 days and explain to them why the debt is not valid. XXXX XXXX has reported the account on my Transunion credit report. The amount is {$57.00} On XXXX XXXX, XXXX I sent a dispute letter to Transunion and followed their dispute process. On XXXX XXXX, XXXX, Transunion sent me the report on the results of their investigation. They say that the information has been verified as accurate. All that Transunion has done is verify the same FALSE information that XXXX XXXX is providing. XXXX XXXX falsely believes that I have an account with them because I purchased a phone at a retail electronics store and the store had a technical problem and could not activate the phone. The store let me return the phone and they refunded all my money. The store said they notified XXXX. This happened XXXX XXXX. Apparently the store either did not notify XXXX or XXXX did not get the 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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXXXXXX XXXX acct no. XXXX, XXXXXXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXXXXXX XXXX XXXX  account no. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX account no . XXXX, XXXX XXXX XXXX XXXX account no. XXXX, XXXX XXXX  account no. XXXX, XXXX XXXX, XXXX XXXX XXXX account no . XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX XXXX account no XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXX account no. XXXX, XXXX XXXXXXXX account no. XXXX, XXXX XXXX XXXX XXXX account no. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX account no. XXXX, XXXX account no. XXXX, XXXX account no. XXXX, XXXX XXXX XXXX account no. XXXX, XXXX XXXXXXXX bankruptcy petition account no. XXXX, XXXX XXXX bankruptcy dismissed account no. XXXX. 



15 U.S.C.1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
Someone opened a Bank of America credit card in my name on Friday, XX/XX/2022. They immediately tried to make two purchases totaling over {$1000.00}. BoA denied the charges and alerted me to the suspicious activity. The bank subsequently closed the 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 non-monetary relief
Consumer complaint received 2018-12-04
Company: College Assist
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
i have been trying to get my student loan out of default, i was promised that the default paperwork would be completed by the end of XX/XX/2018. I tried for three weeks to get someone to send me the paperwork stating my account is no longer in default, i have been to NSLDS to check the status of my defaulted student loans and the status is still the same. Every time i contact XXXX XXXX its the same, you wait on the line for 10-15 minutes with no response, or someone answers and then places you on a call to tell you that they will need to call back, or they promise to call back with an update. 

All i want is to have the student loan status moved out of default because i completed making payments for the 9 months required. I have been paying out of pocket for school and want to place my loans in deferment. 

XXXX XXXX keeps trying going back and forth and making excuses, telling me that i need to sign another rehabilitation agreement, they've told me that i never signed one and once i send them what i have they tell me that one is the correct one. 

I'm not sure why something so simple has turned into a nightmare with no able to help or resolve issues.

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 2021-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a 360 checking and was promised a {$400.00} bonus for completing two {$1000.00} and above direct deposits. 

I had completed the requirements ( XX/XX/20 and XX/XX/20 ) yet never got the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: McCarthy, Burgess & Wolff, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't know why XXXX  is being so abusive to me pertaining to a business account I set up when I was working in Colorado.  However, after making six payments to my plan, the monthly charges increased by 150%, and the plan just was no longer affordable.  Then to try to add an additional XXXX  collection fee is a violation of the Fair Debt Collection Practices Act.  The collection agency known as McCarthy, Burgess & Wolff is way out of bounds on this excessive charge, then to send an offer of XXXX  stating a 30% settlement is usurious.  This collection is abusive and should be reported by the Consumer Financial Protection Bureau to the Federal Trade Commission.  XXXX  shows no shame on how low they will operate as a publicly traded corporation abusing American consumers.  I believe the public service commission for both Colorado and Massachusetts should be made aware of this abusive collection process.  XXXX  will be challenged on every violation made under state and federal laws.  Accordingly, since XXXX  ran up such an outrageous invoice when they could have immediately cut off service, I offer a one time settlement of XXXX  to settle this account permanently.  This settlement will be made by certified funds on XX/XX/2019, and will be made to the debt collector posted.  I will take this to the Office of Attorney General Commonwealth of Massachusetts if this cannot be settled quickly and professionally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-10-23
Company: EQUIFAX, INC.
State: NV
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 have multiple accounts on my credit report that do not belong to me. I filed a police report, an identity theft report, and disputed them with all the credit bureaus. Some have been removed but the bankruptcy, an account with XXXX XXXX XXXX, and an account with XXXX XXXX none of which belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
Transunion did not fix credit report due to fraud. They just charged off accounts which dropped my credit XXXX points. I have sent numerous documents to the credit companies and Transunion and no one did a thing.

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 2019-08-17
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used Paypal to pay for an item i ordered but according to XXXX, despite being sent to the right city, the package was delivered to a completely different address and name than my own. I have contacted the vendor and received no response and have filed 3 claims with Paypal but my claims continue to be rejected because the vendor allegedly had provided proof of shipment, despite me attaching the XXXX document with proof of the wrong delivery address in the claim. This process of filing claims has been extremely involved and unnecessarily time consuming as every time i have attempted to file a claim I have been on the phone for no less than an hour. Additionally, the Paypal representatives are clueless and have told me every time that there was something wrong with the previous dispute and that this time it would be solved. Because neither the vendor nor Paypal has satisfied my needs, I have resorted to writing this complaint in hopes that I will receive the refund that is due to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-23
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our new home mortgage was acquired by XXXX XX/XX/XXXX. Our escrow account was funded with over $ XXXX at that time for taxes due XX/XX/XXXX. 4 months later on XX/XX/XXXX XXXX sent over $ XXXX in payments from my escrow account t for taxes on homes I do not own. I made XXXX calls and got someone who said they 'd address in XXXX weeks. On XX/XX/XXXX $ XXXX payment was disbursed from my escrow for accounts that are not mine. It 's currently XX/XX/XXXX and my valid tax accounts are unpaid. 

XXXX has XXXX tax accounts associated to my escrow account that are invalid. I fear there are many more payments to be made in the coming days and their customer service has not addressed the issue. 

Once these funds are refunded to me we will refinance through a real bank. Can you help us get our funds back and stop the erroneous disbursements from our escrow account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
After an investigation, Equifax deleted a bankruptcy that was being reported in my Equifax credit report. Equifax reinserted the deleted bankruptcy & never notified me in writing as required by 15 U.S.C. 8 16811- U.S. Code. Unfortunately, I found out that it was reinserted when I was denied credit as a result. 

Additionally, I've contacted the 3rd party vendor XXXX that Equifax says they obtained the information from & XXXX verified they do not have a record of bankruptcy on file for me. 

I've attached a copy of the report with the bankruptcy being reported as of XX/XX/XXXX I've also attached a copy of my report as of XX/XX/XXXX with no bankruptcy reported It is now being reported & there was no notification of the reinsertion. 

I've also attached the XXXX Notice & Table of Contents as of XX/XX/XXXX in which there is no notification of bankruptcy as XXXX says it would be noted in the Table of Contents if there was one.

Company response to consumer: Closed with explanation