BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: CITIBANK, N.A.
State: CA
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:
RE : Inability to receive issued Credit on my visa credit card for 2 air travel tickets XXXX and XXXX, credit card # ending in XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX XX/XX/XXXX I filed disputes with my Visa credit card for 2 airline tickets of {$170.00} each, against the travel agency/XXXX XXXX for not refunding my tickets. One of the charges was reversed XX/XX/XXXX, the second charge remained I contacted the travel agency and was told that I need remove the dispute in order for vender to issue a credit for both tickets. 
XX/XX/XXXX I removed the dispute XXXX 2 charges appeared back on my credit card. 

Since then I and the vender have been dealing with my credit card in order to help me credit back my account, but have been unsuccessful due to lack of cooperation from my credit card. 

I have a copy of XXXX- Refund exchange notice, dated XX/XX/XXXX, which indicates a refund for {$170.00} which was never issued as a credit on my credit card. 
On XX/XX/XXXX I received a letter from my bank that {$170.00} charge was reversed, but my account was never credited. 

Despite my multiple attempts, the credit card is not cooperating to resolve my issue. 

This information was provided to me by the vendor ( XXXX XXXX XXXX XXXX  ) Here 's the timeline of the chargebacks sent to XXXX polish by my bank : XX/XX/XXXX chargeback received XX/XX/XXXX chargeback reversed, credit for XXXX  XX/XX/XXXX - pre arbitration received XX/XX/XXXX pre arb accepted by XXXX  as a full refund for ticket, debit posted. 
CASE CLOSED in ccholder favor. 

As far as the airline is concerned : one ticket resulted in dispute in my favor and the 2nd ticket they refunded, but I did not receive credit amount on my credit card statement for either ticket.

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 2017-12-20
Company: PNC Bank N.A.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an email from a debt collector XXXX, saying that I owed {$14.00} on a PNC bank account. I called PNC and they told me that they were not allowed to tell me the balance of the account or the reason for the charge over the phone. 

PNC told me that I owe {$14.00}, and that in order to fix this problem, which I still have no information on, they need me to travel to a branch and solve it in person. However, there are no PNC branches in this State. So according to the employee I spoke with my only option is to travel out of state, find out what the {$14.00} charge is for, on an account I did n't know I had, with a balance that is unknown.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-20
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
CoinBase I tried to withdraw XXXX from coinbase to binance. It should be verified within 30 min. However, after several hours, current status in still in pending with 0 verification. I also tried to verify my identity numerous of time during the last several months, so I can withdraw the invested money. However, coinbase failed to verify the information despite all the information had been provided. Now, I would like to transfer everything out of coinbase and close my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I checked my credit report and saw that XXXX XXXX XXXX was reporting that I owed XXXX {$200.00}. I contacted them by mail to validate the debt. They did not provide legitimate proof all that was provided was a final bill statement. I contacted CCS and asked the customer service rep how the debt was validated - she stated by name and address. 

I paid my final bill for XXXX when I switched over to XXXX on XX/XX/XXXX after my renewal premium with XXXX went it up. The only notice I got from them was for a renewal amount and that was to be paid if I chose to renew my policy with them. That amount was {$550.00} I joined XXXX on XX/XX/XXXX. 

So, I 'm at a lost as to how I owe XXXX/XXXX XXXX XXXX XXXX I did my part by contacting XXXX and letting them know that I wo n't be continuing service with them. If something was lost in translation during that time that 's not my fault as XXXX was the one who dropped the ball. 

I have statements for all my payments to XXXX and I 'm asking for full validation, because its been two years and XX/XX/XXXX was the first I 'm hearing that I owe anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I wanted to get started XXXX with my PNC account. 
but It seems like bank protect my bank some reason. 
It says PNC has made a change that prevents you from being able to link your accounts. 
Would you fix this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: IL
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 sent several certified letters disputing unauthorized inquiries on my report for several months. the claimed they have not received my letters with documents they requested but i had sent it certified along with a signature card that means someone from there business signed for it. the refused to delete the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
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:
THE THREE CREDIT BUREAU ADVISED ME TO GET A POLICE REPORT DO TO FRAUDULENT INFORMATION ON MY CREDIT FILES, I DID THAT AND SENT IT OVER THE EACH COMPANY XXXX FRAUDULENT ACCOUNTS ( 2 XXXX, XXXX XXXX, XXXX, XXXX XXXX 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 2020-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Bank of America ( whom my mortgage has been with for the last 10 +  years ) to refinance. I was connected with loan office XXXX XXXX. I asked that we not proceed until he checked my debt to income ratio to make sure I would qualify. He claimed he did. He then asked for {$600.00} to do an Appraisal. I told him in no uncertain terms that I did not want to pay that unless he was sure it was going to go through. He said no problem. I also asked him that if for some odd reason it did not would I get that money back as I have no need for an Appraisal. I have an email stating from XXXX XXXX stating I would. Because of his miscalculations the refinancing did not go throught and now they refuse to give me my {$600.00} back. I have contacted them at least 10 X. No one will call back and now get an email from him stating that they refuse to give the money back.

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 2023-02-07
Company: Bridgecrest Acceptance Corporation
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Bridgecrest, I am writing in regards to a closed account of mine that is still showing up on my credit report. According to the Fair Credit Reporting Act, 15 U.S. Code 1681c, accounts should not remain on a credit report for longer than seven years after being closed. This account has been closed for more than seven years and I am requesting that it be removed from my credit report. 

I am also requesting that all past reporting on this account be removed from my credit report to ensure that all of the information is accurate and up to date. As per the Fair Credit Reporting Act, 15 U.S. Code 1681i, consumers have the right to dispute inaccurate information on their credit reports. As this information is past the seven year reporting limit, I am requesting that it be removed.

I am aware that you have 30 days to respond to my request and I would be grateful if you could act as soon as possible. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: KEYCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I HAVE ASKED KEY BANK TO REMOVE NEGATIVE ITEM FROM MY CONSUMER REPORT. CHECKING ACCOUNT # XXXX SAVINGS ACCOUNT # XXXX KEY BANK IS REPORTING CHECKING ACCOUNT FRAUD ON THESE ACCOUNTS. 
I HAVE NEVER BEEN INVOLVED OR DONE ANY TYPE OF FRAUD. 
I EVEN CONTACTED KEY BANK SEVERAL TIMES AND THEY SAID THEY CANT ACCESS THE ACCOUNTS ANYMORE FOR ME TO DISPUTE. 
I EVEN ASKED FOR PROOF AND THEY PROVIDED NONE.

AND I CONTACTED THE FRAUD MANAGER XXXX XXXX AND SHE IS NOT RETURNING MY CALLS THESE NEGITIVE ITEMS ARE REPORTING TO EARLY WARNING CONSUMER SERVICES. I NEED THESE ITEMS REOVED ASAP CAN SOMEONE PLEASE INVESTIGATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: CBC Companies, Inc.
State: VA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, FACTUAL DATA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Navient Solutions, LLC.
State: FL
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 attended XXXX in XXXX I was granted a full discharge for the federal loans, but they are not discharging my private loans In the amount of {$15000.00}. I have called and spoke to several people to explain that the school was closed for fraud I have a full discharge. They refused to discharge my private loans. I am a single mom forced to pay almost XXXX a month on these loans. Please help me get them discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: The Accounts Retrievable System, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt originated from a XXXX XXXX account in XX/XX/XXXX. A default judgment was entered without my knowledge in XX/XX/XXXXin XXXX XXXX, NY. I resided in XXXX county during this period. 
On XX/XX/XXXX another case was instituted in NJ Superior Court to collect a debt that the statutory collection has expired in NY. I didn't receive any notice for this proceeding. 
The agency and his representatives were aware of my address and didn't send any notice of the collection proceeding. Therefore, depriving me of the right to answer in my own defense. I also didn't receive any original documentation of the source of this debt. 
The account was charged off on XX/XX/XXXX as per the information that I received on XX/XX/XXXX. 
The fact that I have retired  from full-time employment and I don't have the means to pay back any debt and the statutory collection has lapsed in NY and the agency is now trying to collect without doing due diligence in the past. I am now requesting investigation and mediation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The following fraud checks were written on our business checking account at XXXXXXXX XXXX, the checks had our incorrect zip code on the fraud checks. # XXXX {$1900.00} cleared bank on XX/XX/XXXX # XXXX {$1900.00} cleared bank on XX/XX/XXXX # XXXX {$1900.00} cleared bank on XX/XX/XXXX # XXXX {$1900.00} cleared bank on XX/XX/XXXX There was another check that came to the bank after these checks but the bank send that check back as a fraud. We first called XXXX XXXX on XX/XX/XXXX to report the checks sent through our account were not our checks. We were advised to come to the bank the next day to sign an affidavit. We went to XXXXXXXX XXXX  on XX/XX/XXXX to complete all the necessary paperwork, we were advised on that date that we would be reimbursed for the money taken out of our account but was told it could be several weeks. On XX/XX/XXXX we received an e-mail that in order to be reimbursed we would also need to file a police report. We filed the police report on XX/XX/XXXX. We received the report from the police station on XX/XX/XXXX and submitted it to XXXXXXXX XXXX  at that time. The checks were cashed at a Bank of American in New York. XXXXXXXX XXXX  has advised us that Bank of American has not refunded the money to XXXXXXXX XXXX, therefore we have not received our funds back in our 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 2021-04-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX of 2021 I had requested my cash back rewards in the amount of XXXX. I requested a check and never received it. I followed up a month later to inquire the status of it. I was yold a check was issued but they would resend another. That check was never received. I called back in XXXX and was told I had to wait until the end of the month. I called at the beginning of XXXX letting them know it still had not arrived and asking the funds can be put back into my account. I was told no but they could give me a statement credit. I held off on paying my account due to the credit. I received a letter in the mail the following week stating I was unable to get a credit and they would resend another check. I called again and was told the would out a stop payment on the check and would receive a statement credit. Still no credit in my account. I called again and spoke with a supervisor stating I would get a credit. As of today, I have not received a credit. We are almost to XXXX, and still nothing. I feel that this is a UDAP violation due to not providing services promised. My credit score has gone done XXXX points due to the higher balance on my card. This has caused me harm

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 2018-04-05
Company: Home Point Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with this company. The mortgage closed in XX/XX/XXXX. The complaint is in regards to MIP ( Mortgage Insurance Premium ). The mortgage insurance premium was supposed to be when the loan reached a loan to value ration of 78 % or lower and 60 months of consecutive on-time payments have been met. I have met both of these criteria. The previous mortgage company that sold my mortgage to Home Point said I met the loan to value criteria. And that MIP would be removed on the XX/XX/XXXXbill. The value and original loan amount was for $ XXXX. I currently owe {$160000.00}. Which makes loan to value at 73 %, which is also what XXXX  told me.

Well on XX/XX/XXXXand XX/XX/XXXX I am still getting charged the MIP of {$180.00} a month. I've paid this for 2 months when I should not have. I believe I will continue to pay this because Home Point is not responding to my questions or emails. The previous communications with XXXX   were not copied over to Home Point Financial online portal when Home Point bought my mortgage from XXXX.

I've sent the mortgage company multiple questions via their website. Attached is the latest communications that show they have not answered my question. I called Home Point a month ago asking about this. Had to wait 30 minutes to talk to someone. When I was finally connected to someone they were unable to help me. But said they would have someone call me in a couple days. Well they never called me. The person I spoke to also said if I mailed a letter to Home Point asking them to remove the MIP, they said they would remove the MIP. I mailed them a letter. They never responded to the letter either. The MIP is still on our account.

Ive also tried to contact them via their portal. See attached.

Home Point did not follow through on their commitment to remove MIP, did not call me like they said they would, and they did not respond to my letter like they said they would.

I would like some assistance with the company meeting their commitments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: OK
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 sent a dispute letter into both XXXX and Experian on XX/XX/20. I disputed several inaccuracies and asked for the companies to update. Both XXXX and Experian have not responded to my letter and its now XX/XX/20.

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$210.00} XXXX - {$210.00} XXXX XXXX XXXX XXXX CHARGE OFF XP Late Dates : XXXX, XXXX XXXX XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} REV {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX/TU/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, FCRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL 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 2020-09-20
Company: Experian Information Solutions Inc.
State: OH
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:
The balance on this account is not correct as this account as be Charge-OFF. As I can see the XXXX suppose have taken over the alleged debt. Therefore, how can there be a balance and this account is report differently on all 3 credit agencies. 

Therefore, this account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. 


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 explanation