BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-31
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:
Reference : The disputed item : Account for credit card from XXXX XXXX XXXX Credit card # ending in XXXX. 
XXXX/XXXX Reported on XX/XX/XXXX Dispute Reason : Ownership : I am no longer liable for this account. 

Regarding the above-mentioned account ; this was the cost of a bed that I have ordered from XXXX XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX, Ph : XXXX ) for {$600.00}. The merchandiser arranged the payment through XXXX XXXX XXXX ( affiliated to Citibank ). 
I have disputed this charge with the bank from the beginning of this account, since I received the product damaged. Although it is a general rule in all banks, to accept the dispute if the product purchased was received damaged, XXXX XXXX XXXX insisted to suspend the dispute claiming that ; I must resolve the problem with the merchandiser, but promised to freeze the charge without any interest or fees until the case is resolved. I filed a complaint against the merchandiser with the Attorney General, who made his decision in my favor for a full refund of the product according to the Massachusetts General Law Chapter 93A, for Consumers Protection. The bank was notified with the decision of the Attorney General, however, did not accept the dispute and started to add interest. I raised the case to the District Court for Small Claims that made its judgment on XX/XX/XXXX in my favor for a full refund of the cost, plus interest and court fees. Attached please find a copy of the judgment of the court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I tried to pay my student loan in full with Great Lakes on the due date of XX/XX/XXXX in the amount of {$13000.00} by phone. The phone payment computer was not working and it finally took my payment on XX/XX/XXXX using an agent. Instead of a XXXX -XXXX- balance, I am being billed for a {$51.00} balance plus interest since XX/XX/XXXX. Great Lakes is only posting my payment in full ( {$13000.00} ) as am " Amount Paid Ahead '' causing me to incur interest. The customer service representative told me that I must still pay daily interest even though I paid in full. This disputed balance is being reported on my credit report. The technical difficulty in accepting payment was caused by Great Lakes. It is outrageous for someone to have their credit crippled due to Great Lakes error. Especially with the payment of {$13000.00} in one lump sum having been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX in 2011, through XXXX, I took out a XXXX loan to assist with the cost of the XXXX XXXX. While I had made payments ( when possible ), unbeknownst to me, DISCOVER now indicates that they own the loan. They had never forwarded any documentation indicating so, via an assignment or anything else. I have disputed with the credit reporting agencies, but to no avail. I have asked time and time again for this information, and no one is able to provide me with said documents. The contract I had was with XXXX not DISCOVER. Also, they have not furnished me with a copy of the agreement with XXXX ( signed by me ). Nothing has been furnished at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX 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 2022-01-08
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I sent a letter disputing the erroneous account with the creditor COMNWLTH FIN for the amount {$110.00} stating that the information that they are reporting on my credit report does not belong to me.I 've requested that they send me the information to validate this debt each time I've requested the information I never received it. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Mr. Cooper Group Inc.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my house around XX/XX/2021. The company i refinanced with, XXXX, sold my mortgage to another company and then was sold again to " Mr.Cooper '' ... My loan was fine to begin with until this past XX/XX/XXXX, Mr. Cooper decided to do an escrow analysis. They decided after less than a year of being with them that i came up short with my taxes and insurance, however, they are the ones that knew what the amounts were to begin with, because i had to pay a years worth up front and they did the math to establish the loan. Now they are saying i have less than 30 days until my house note goes up almost $ XXXX. I have tried to call their company and speak with someone about this 3 times now and all they did was transfer me from person to person and dept to dept and i even sent a message through there " message center ''. I got a response the other day stating that " due to the nature of my issue '' they were passing it over to yet another department for review. I get my answer in 7-10 business days but XX/XX/XXXX is approaching and my house note increases. Evidentially Mr. Cooper requires an additional {$600.00} in the escrow that i was never informed about being this company is not who I originally refinanced with. All this was done over the phone and i guess i will know better for next time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Paypal Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
PayPal refuses to close our account that is paid in full. 
They keep saying " someone '' is using it but it NOT us. 
PayPal refuses to say what is charged, when it happened, or ANY information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
About 2 years ago I took a certificate of deposit which I found in my Mother 's possessions to Wells Fargo Bank in XXXX to one XXXX XXXX. <P/>He photo copied the certificate and send to their unclaimed properties division, wherever that is. <P/>After 3 weeks and no communication, XXXX XXXX said they could not find it and more than likely it was gone. <P/>Since then, I see on the Internet, that many people had the same problem as me with no satisfaction of where the money is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been receiving many Harrassment phone calls of, Collection, threats of escalations of my vehicle repossession and possible collecting funds from me in court. All calls are been made through my cell number XXXX.and also by email. Prestige Administration or staff has been calling from their number XXXX. Also Prestige business partner Vehicle Dealership in XXXX, Texas is also calling, but they do n't leave a message. Their address XXXX XXXX XXXX XXXX XXXX, Texas.XXXX ... XXXX Email : XXXX Federal Government can archives all emails from XX/XX/XXXXof XXXX XXXX and Prestige on my loan process. My Bankruptcy Chapter XXXX process in Federal Court in XXXX, Texas was filed on XX/XX/XXXX and Prestige and XXXX XXXX XXXX was informed on my bankruptcy Chapter XXXX process and proceedings with XXXX, Texas Attorneys XXXX XXXX and XXXX XXXX. After I file various Federal complaints against Prestige Financial after XX/XX/XXXX and also Prestige Management Has appointed XXXX employee XXXX XXXX to go after me to collect on payments of collections of {$480.00} and {$440.00} in which I can not afford and pay for XX/XX/XXXX. I respectfully asked Prestige to restructure my loan under 17 % interest rate and lower my monthly payments under {$480.00}, {$440.00}, because of my Financial Hardship and XXXX. I am XXXX and Retired and I do n't receive XXXX XXXX XXXX. I have sent evidence documents on my XXXX Lifetime to Prestige Administration. I am respectfully requesting that the Federal Government conducts a investigation on my vehicle purchase and loan process with Prestige immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 sent several disputes in the past to have the account reported under XXXX XXXX XXXXXXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXXXXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX, but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit 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 2019-10-08
Company: Asset Recovery Group, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated back to back phone calls on XX/XX/2019- 5 calls in a 20 minute period from Asset Systems. This is while I'm at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An old hospital bill of mines from XXXX, which was resolved showed up on my credit report on XX/XX/XXXX as unpaid in the amount of {$980.00}. I disputed it through the credit reporting agency, it was removed and reported again immediately after being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Skrill USA, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Dear Consumer Financial Protection Bureau Representatives, I hope you are doing well in Washington D.C. I hope that all of you are safe from The Coronavirus Pandemic. I'm writing to you because I'm experiencing serious problems with the company Skrill USA. I have been a very good customer from the company Skrill USA since the year 2007. 

The company name was XXXX during that time. The company told me that my Skrill account didn't have any monthly fees or other types of fees when I opened my account the first time. Skrill has been charging me inactivity fees for several months without even notifying me about this.

They also closed my Skrill account without notifying me that they were going to close it. I have been a customer of Skrill USA for almost 15 years. I opened my Skrill Account in 2007. I have been a very good customer and also very loyal to them. The Skrill customer service representative based in XXXX assured me that they were never going to charge me any Skrill monthly fees in my Skrill account and they were charging me unfair fees of {$5.00} Dollars each time. 

I was never contacted about this and they never notified me that my account was inactive. They also never sent me a letter to tell me that they were going to close my Skrill account.

They closed my Skrill USA account and they continued charging me those unfair {$5.00} fees without any notification. Please contact me at my email address if you have any questions. I can't get in touch with them by phone because the customer service number is not working well. Sometimes the calls get through or sometimes they don't go through. It's very hard to reach someone on the phone. 

I got an email message from XXXX XXXX from Skrill INC. telling me that they were working on this matter but after that I never heard back from anybody else. They also promised to call me but they never called me as they promised. I spent many hours of my time trying to get in touch with them. They are not answering their phone when I'm calling them. I think they are not answering the phone on-purpose. 

Several weeks ago I reached a Skrill representative by phone, I asked the representative to call me back if we got disconnected but he never called me back when we got disconnected. Thanks for the assistance that you can provide me to resolve this matter. This problem is giving me a lot of stress and tension Feel free to call me at XXXX. 

Respectfully yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am making a complaint against XXXX XXXX XXXX XXXX XXXX I have an open investigation with XXXX XXXX XXXX XXXX XXXX who refuses to fix a error on their part I Filed a bankruptcy and XXXX XXXX was NOT included ; however with them being a creditor they have to be notified that i was in a active bankruptcy ; however keep in mind my house was NEVER Included in this i kept my home and XXXX XXXX REFUSES TO FIX THEIR ERROR HERE THEY HAVE NEVER SENT ME ANYTHING ON A REAFFIRMATION AGREEMENT AND WHEN THEY FOUND OUT THE JUDGES HERE DO NOT DO THIS THEY STILL REFUSED TO FIX THE PROBLEM They state they do not have to because it 's their policy! This needs to be fixed asap!! I have been dealing with this since XXXX! This is beyond ridiculous they can call me about a stupid survery which i gave them a earfull but they ca n't fix this problem they created which is NOW affecting my credit report as it is showing my home is in bankruptcy like i never even made any payments and lost my home which is NOT The case they need to fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 received my credit report from XXXX. I filed a complaint with them. The complaint was simply there is another person with my name that has a credit card I had, and I closed my credit card with that company. The other person with the same name as me ( and my name is common ) has a open/current account with that credit card company. XXXX wrote me back and said all my information is correct. And all my information about me is correct. The problem that there is another person with my same name ( and her account is in good standing ) that is on my report. The credit card must of got us mixed up because we have same name and credit card. What the bottom line is I closed my account with that credit card. There is one currently open that is not mine. I just wanted her name and account removed because that particular account is not mine. I am wondering if XXXX even looked at the situation closely. If they did, they would seen two accounts with the same credit card. The difference is mine is simply closed and hers is open. How hard is that. But there are 2 different account numbers that I told XXXX. If they looked at it, they could see that the credit card put the other person with my name ( she even lives in the same city as me. I don't know her personally, but I know of her. Why? Because she also actually goes to the same dentist as me! The dentist came in and said I have not been in awhile, and I said I did. They checked the record and seen the other person with my name has not been in awhile. Anyway, I know me and her don't have the same social security numbers, but this credit card made a mistake. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my Citi Secured card and called to get my secured deposit. The citi representative told me that I would receive my money via ACH in one to two business days and when that did not happen, I called them and they said oops the check will be send out via paper check. This is very unacceptable. 

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 2019-10-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.

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 2017-11-17
Company: EQUIFAX, INC.
State: SC
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:
I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

Equifax, XXXX & XXXX : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation