BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Been trying to officially closed down an account with Citibank but they are saying due to fraudulent activity they cant close it down. Its been over two years and just today I called and they said it will take three years for it to be closed all the way because of an investigation. Nobody is giving me answers, everyone in the fraud department is very rude and always hangs up in my face. I need some actions ASAP because I cant even open a new bank account because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: AES/PHEAA
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: Account information incorrect

Complaint:
Account is being reported as late and delinquent when I am prepaid for years. I’ve been making big payments to get these paid off, and currently show no balance due. However, my most recent credit report shows me as 90 days delinquent on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company ( The Money Source ) did not pay my  homeowners insurance to XXXX ( insurance company ). I spoke to someone in the insurance department of The Money Source who assured me the mistake was resolved. My insurance company, XXXX shows no record of ever receiving payment. 

Loan number- XXXX Homeowners policy number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions 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:
Reporting wrong info for some time now. I have submitted supporting docs showing has has {$0.00} and closed and now as of today, XX/XX/2018 they are still reporting a balance. Again, i have proven to them that the account has been taken care of and they refuse to update correctly on 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 explanation
Consumer complaint received 2019-09-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I XXXX XXXX attempted to purchased 4 concert tickets from a person named XXXX XXXX for {$120.00} from which I saw she was selling on XXXX. Reference # XXXX They had stated they preferred to use the app XXXX for payment. I was not familiar with this app however I saw it was linked with the bank I already use Wells Fargo. I went ahead and set up the transfer. This person then sent me another request for the same amount {$120.00} a 2nd time and never sending the tickets via email because according to them the first one did not go through. I immediately felt suspicious and called Wells Fargo to cancel the transaction however it was already completed and the only thing left for me to do was to file a claim ( claim # XXXX XXXX which I did then do. On XX/XX/XXXX I received a letter from Wells Fargo stating that the online transfer was already approved and processed and there was nothing left I could do. They can not reverse the transfer. Now I am out {$120.00} and zero concert tickets. I only used the XXXX app because it was affiliated with Wells Fargo and trusted that using my back to transfer funds would come with some sort of back up. I guess I was wrong. How is the app still being used?

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 2018-11-21
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:
Reporting wrong info for some time now. I have submitted supporting docs showing has has {$0.00} and closed and now as of today, XX/XX/2018 they are still reporting a balance. Again, i have proven to them that the account has been taken care of and they refuse to update correctly on 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 explanation
Consumer complaint received 2018-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not have any credit cards with this company, they are calling 4-6 times a day from numerous phone numbers in XXXX, KY ( XXXX is one of the numbers. I have told them several times to remove the phone number from whoever 's account it is but they continue to call, they tell me they have removed it and the start calling back the following week. This number needs to be removed FOR GOOD and no further calls should be coming to this number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion is continuing to report a claim of {$410.00} from XXXX reported by a company doing business as " XXXX '' XXXX however acknowledges that there is NOT now, NOR ever has been, any such debt. XXXX  further states that there has NEVER even been an account associated with me, and that there has never been any account under my name, nor under my SSN, nor under my phone number, nor under my address. 
I have repeatedly explained all of this to XXXX and to TransUnion. 
I have even provided, in writing and over the phone, the phone numbers and the names of officials at XXXX  who confirm that there is no debt, and that there has never been an account under my name, ssn, phone number, nor address. 
Most recently, on XXXX XX/XX/XXXX at XXXX, I spoke with XXXX at XXXX  ( XXXX XXXX ). He confirms AGAIN that there has never been an account associated with me. There is no debt. 
I was transferred to his supervisornamed XXXX who researched the matter and AGAIN states that there has never been an account associated with me. There is no debt. 
I was then transferred to another individual named XXXX who AGAIN confirmed that there has never been an account associated with me. 
No matter how many times I dispute the matter, " XXXX XXXX " refuses to send any copy of anything to me to support a claim. Over the phone TransUnion reports that they have nothing to validate any claim, yet refuses to remove the claim. I have never been presented with anything substantiating a claim, nor even hinting at the possibility of one. Ultimately there are at least two factors here that are dispositive : 1. No one has anything to indicate what the alleged debt was for. 
2. XXXX agrees that there ihas never been such a debt and there is no basis whatsoever for a claim, since they have never had an account associated with me. 
There is therefore no valid reason for TransUnion to continue to report it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Credit Counsel, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a XXXX in XX/XX/XXXX ; on the same day, someone had a XXXX at the same facility. I paid in full, in cash, on the day of XXXX. Over a year later, the facility merged the liposuction patient 's account into mine and began billing me nearly $ XXXX for a XXXX I didn't have. I contacted them and sent a copy of my receipt, my admission form, and even an affidavit from my surgeon that the XXXX I had was a XXXX. They simply took the receipt for my payment and deducted it from the amount owed for the other patient 's liposuction and billed me again. I responded every time, sending the documents over and over. In XX/XX/XXXX, the facility sent the account to Credit Counsel , Inc . Same routine -- I sent the same documents in response to every contact, including the statements from the facility showing that they were billing me for a XXXXy when I had a XXXX. This week I tried to buy a house, and my credit report had dropped from XXXX to XXXX because the debt collection agency had filed a negative report despite having received proof that the debt was for a different XXXX than the one I had. I called the collection agency this morning, and they said I owed {$200.00} for overtime for a XXXX, but I had sent them the statement from the facility showing they were billing me the balance for a lipectomy. In sum, and despite proof that this is not my medical bill, I have been denied a mortgage because I would not subsidize a stranger 's XXXX removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
They had made Two Frauds Transaction in my Td bank account, when I called Td bank to disputes all the transactions, after 7 days I called them and they said that they have nothing to do with it because those transactions were made properly. 
( 1 ) For {$99.00} on XX/XX/2018 at XXXX XXXX XXXX Fl ( 2 ) For {$99.00} on XX/XX/2018 at XXXX XXXX XXXX Fl. Td bank knows exactly what's going on with my account. They give away people info so they could have Fraud going on. I don't know anything about Those Two Transactions. I want them to reimburse all my money back to my account. Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I paid " XXXX XXXX XXXX '' {$100.00} on paypal for two concert tickets. She ( her name on XXXX was XXXX XXXX ) sent me the tickets, and then I later realized they were fake and would not work. Once I reached out to her to ask, she stopped responding all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/XXXX I filed for unemployment during the time i enter the wrong address actually the wrong City and zip. So I never still until this day have not gotten a Card from U.S. Bank Relia Card from Work Force Commission. When I Applied i put my address as XXXX XXXX XXXX XX/XX/XXXX XXXX but should of BEEN XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. I have called someone called back stated someone would contact me but still as of today no one has called. Then I have sent 1 letter to Card services XXXX XXXX XXXX Receipt number XXXX XXXX XXXX XXXX XXXX still have not heard nothing. 1 to XXXX XX/XX/XXXX receipt number XXXX XXXX XXXX XXXX XXXX but still have not heard nothing from them. I have been checking and since a changed my status to direct deposit i now have been getting deposit in my bank. But I still have my money total of {$5800.00}. I can not get access to. I really need it to get caught up on my bill. The land lord only holding off due to I let him hear that my funds are still on my card. Please help me. 

XXXX XXXX XXXX XX/XX/XXXX ID # XXXX last XXXX XXXX XXXX Phone # 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 2018-02-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi closed my XXXX Visa credit card # XXXX on XX/XX/XXXX with no reason given. I have been in good standing with Citi and I have great credit score. I use this card as my primary credit card, and I have accrued {$1600.00} of reward balance due to pay out on XX/XX/XXXX, which is only 3 days away. I called Citi customer care two times, executive office phone line one time, and fax them a letter. The best answer I have got is basically that they can close for any reason at any time, without giving me any reason why I was targeted, even if it is only days away from paying out my reward. My reward, according to the rep, is now gone since the account is closed. They essentially got themselves out of paying without any explanation. I am not only out of the reward dollars, I am also 1 ) out of credit card to use, 2 ) expecting a hit to my credit score due to the ratio and closure because I dont keep many other around and 3 ) will have hard time get another one even with good credit score. I stay responsible and pay my debt always, and Citi just decided to cause personal damage without any legit reason. CFPB, please help me get to the bottom of this.

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 2018-06-17
Company: Experian Information Solutions Inc.
State: TX
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:
Negative credit accounts, such as charge-off accounts or collections, have a limited amount of time that they can appear on your credit report. After seven years, most negative accounts are automatically deleted from your credit report, according to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX {$3000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying for over a year in having Equifax remove one of my credit accounts. They have one in my maiden name and one in my married name. They are doing something on my credit and sending  me emails but I can not gain access to view my credit score or what it states. I have written so many letters and I still can not gain access. 

I am part of the breach and I have informed them of this but nothing has been taken

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: LOAN TO LEARN
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed bankruptcy years ago and included a XXXX XXXX XXXXXXXX student loan that was discharged. I have spent too much time getting XXXX to finally remove it because it was in the BK and past the statute of limitations. Now there is a company reporting the loan to my credit called XXXX XXXX XXXX which doesn't have a working phone number to be able to contact them. I have tried to dispute it with XXXX and XXXX but they didn't properly investigate because if they had they would see that they cant get in touch with this company to properly verify it. Had they, they would find out this is a debt that was in a BK and past the 7 year SOL and cant be reported. Please help with this. I have attached my entire BK file and page 21 by itself so you can see the loan was in the BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
These accounts below are paid off. 


XXXX XXXX XXXXXXXX XXXX {$92.00} {$300.00} 31 % Revolving Current XX/XX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status No status Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit - Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have been xperiencing outages with Bluebird.com since XX/XX/2018. Customers are unable to take out cash, access their paychecks or other direct deposit funds, access other funds weve attempted to load, make purchases, or get accurate balance information. Again, in XX/XX/2018 these outages have been ongoing for more than 6 days. Customer service reps have been difficult to reach or non-responsive. Tomorrow is XXXX and I am unable to check my account balance for my direct deposit nor make any transfers due to the outage which persists on their website and mobile app. When logging the page just continues to load then returns an error. I realized Im not the only customer experiencing this problem after checking XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: ZenResolve, LLC
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in the US Postal mail on Friday, XXXX/XXXX/XXXX, from Zen Resolve stating that XXXX XXXX had placed my account with them for collection. The Zen Resolve statement shows that Zen Resolve started the collection process with XXXX XXXX on XX/XX/XXXX with a principal balance of {$1100.00}, interest of {$670.00}, fees of {$60.00} and a total amount due of {$1800.00}. I attempted to call XXXX XXXX and Zen Resolve, but it was after business hours. 

On Monday, XX/XX/XXXX, I called XXXX XXXX and they told me that they couldn't give me any information about the loan because it had already been sent to a 3rd party for collection. 

I also called Zen Resolve on XX/XX/XXXX and spoke to two employees, XXXX and XXXX, who informed me that they would have their manager, XXXX XXXX, send me the original loan documents corresponding to the Amplify Loan in my name. 

The documents were received on XX/XX/XXXX at XXXX XXXX via email from XXXX XXXX at Zen Resolve. After reviewing the loan documents, it was clear that this was not a loan I had ever applied for and I had been a victim of identity fraud. 

I sent an email back to Zen Resolve on XX/XX/XXXX at XXXXXXXX XXXX  stating the following : This XXXX loan by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the information attached is fraudulent. XXXX XXXX did not sign these documents, does not have this loan ( # XXXX ) and the bank account information is not his account. The name of the bank XXXX XXXX and the routing/account numbers ( XXXX are not accounts he has or has ever had. The email XXXX is invalid and not an email XXXX XXXX has or ever had. The phone number XXXX XXXX XXXX XXXX is not a valid phone number. 

We would like to file a dispute and have been informed by XXXX that we need to file a police report. We will do that shortly. What paperwork or information do you need to receive to for the dispute resolution? 

Please advise. 
XXXX At XXXX XXXX on XX/XX/XXXX, I received an email from Zen Resolve stating that we take fraud/identity theft seriously and requested that I fill out their FTC Identity Theft Affidavit, have it notarized and returned to them. 

I am currently in the process of completing the documents. So, far Zen Resolve has been responsive, but has asked me to include my FTC complaint report about XXXX XXXX with their packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a XXXX veteran and asked about the XXXX discharge program and was told there was no such program. I was informed that I needed to set up my account on auto draft after issues with payments being maked late that were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: DFC Global Corp.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Dollar Financial dba The Check Cashing Store ( a name they use in Florida ) is a company I used for a Payday Loan in XXXX XXXX Florida. They were offering a brand new product that was a {$1000.00} loan in the early part of XXXX of this year ( 2019 ). The loan was represented to me with a ninety day payback due on the first of XXXX ( 3 months ). The 'Federal Truth In Lending Disclosures ' page in the contract under the PAYMENT SCHEDULE says 'My payment schedule will be one payment of {$1300.00} due on Thursday, XX/XX/2019 '. Regrettably the above mentioned company took {$450.00} in an ACH ( not a check ) on XX/XX/XXXX ( one month after I took the loan out ) out of my checking account thus causing financial pain and distress as my account went negative and my bank charged {$84.00} in fees as well. A complaint was also filed with the Florida Department of Financial Regulation in XXXX Florida. Please let me be clear that NO check was given to them for this date ( XX/XX/XXXX ) or any other date by myself.

Company response to consumer: Closed with explanation