BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-30
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/2018, I purchased cabinets, 2 slabs of granite, and services from XXXX XXXX XXXX. I used my American Express and Citibank Mastercard to pay the {$7000.00} in 2 payments of {$3500.00} each. XXXX XXXX XXXX has failed to provide ALL of the granite and services that were paid for. Therefore, I filed a dispute with Citibank Mastercard on XX/XX/18. I have produced voluminous amounts of documents including text messages, contracts, letters of explanations, photos, etc. regarding this dispute. I have had to submit documents to Citibank on 4 different occasions to prove my claim for not receiving the goods and services I paid for. Today I received a letter from Citibank stating that the merchant will not honor Citibank 's request for the credit based on the information I have provided. I am not sure what more I can possibly do. I was under the impression by the Fair Credit Billing Act that as a consumer, I am protected with making purchases with your credit card. This man collected the full amount of goods and services upfront and has not provided what I paid for. I paid for 2 slabs of granite, which consisted of counter tops for my kitchen and master bathroom, and I still have no counter top, sinks, or back splashes and it has been since XX/XX/XXXX. Where is my protection as a consumer in this matter? Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
All three credit bureaus continue to report a debt that was discharged in my XX/XX/XXXX Chapter XXXX Bankruptcy filing. It originally was discharged, and then on XX/XX/XXXX XXXX created four new account numbers and are reporting the discharged amounts as a new collection account. I have repeatedly disputed this on all 3 credit bureaus, but they are no longer correcting it and it is negatively affecting my credit score.

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 2020-07-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
American Express Pre-Approved our XXXX  thru XXXX XXXX XXXX account ; reason for denial is mind-boggling. 

Always same questions??? Why is it only XXXX XXXX XXXX XXXX XXXX always bite the dust??? 

Regardless of our qualifications, credit scores or meeting credit requirements criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested debt validation including a copy of the original contract but only received a copy of an account statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: JPMORGAN CHASE & CO.
State: CA
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 have tried to get Chase/XXXX  XXXX Card Services to remove an old account that that has surpassed the 7 year reporting period for negative/delinquent account, yet it is still being reported because of incorrect information being reported by Chase/XXXX XXXX. 

I have Chase and well as contacted the Credit Reporting Agencies, but the no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-07-01
Company: PNC Bank N.A.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
PNC Bank had an incorrect address on file and did not notify me that they required the final payment to be made manually instead of automatically withdrawn. They did not attempt to contact me any other way, and after five years of timely payments they sent my final payment into debt collection after 30 days which negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: CITIBANK, N.A.
State: NJ
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:
Ive filed a claim and they keep siding with the merchant even though they have no proof for why they charged me and the credit card company keeps transferring me to other departments when I try to call and handle the situation because I definitely did not authorize these charges and would like my 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 explanation
Consumer complaint received 2018-08-30
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2018 at XXXX PST I received a call from Citibank calling regarding a XXXX  More Commercial account. The representative informed me this was an attempt to collect a debt and the call may be recorded. She asked me a series of questions which I provided answers. It was presumed that these were not the answers she was expecting and that's when the representative ( she ) became abusive until I had to disconnect the call. 

She said, I am required to ask you these questions and my response to her was, I answered your questions and right now this is causing me extreme anxiety. I am currently considered a XXXX person. Then she says, YEAH YOU ANSWERED THEM INDIRECTLY!!! I NEED DIRECT ANSWERS!!! This was all said in a demanding tone and she went on to threaten me with closing the account and a list of other things, I had to disconnect the call.

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 2018-08-30
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/2018. I received a collection account on my credit report from a collections agency called Diversified Consultants Inc. the  original creditor is XXXX and the balance is for {$4800.00}. It stated that this account is from XX/XX/2018. Ive never done business with XXXX or had any cellular service with them. Ive disputed this with XXXX and XXXX when this account was with another agency and it was deleted from my credit report. Ive even asked for validity of debt when it was with he former agency and received nothing. I simply want these agencies who are reporting this fraudulent account to my credit to stop collection attempts once and for all. Its causing issues with my near perfect credit history and just a big headache overall

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25
Company: Experian Information Solutions Inc.
State: CT
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:
unlawful add inquiry to my 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 2018-08-30
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted " Professional Bureau of Collections of Maryland '' and they were only willing to discuss payment. I then contacted " XXXX '' to resolved to problem and was told they no longer have any documentation on the account, the account has been sold, and they can not make any changes and/or corrections. The bill was approximately {$400.00}, which I've attached from 2013 and the amount the collection agency is trying to collection is extremely higher in the amount of {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Navient Solutions, LLC.
State: CA
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:
My monthly payment is on auto-debit. The payment increased last month due to a rise in interest rates. My administrator, Navient, sent no notice that this was going to happen so my bank charged an NSF fee. I contacted Navient and they explained to me that they are under no obligation to inform me of such a change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my credit report and found items I do not recognize and I have not authorized.

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 2018-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a Bank of America Rewards Card that I seldom use. I have had this card for more than 10 years and stopped using it regularly because of frequent credit limit decreases to right above the then existing balance. This has occurred twice during the time I have had the card with Bank of America. My credit limit has been {$5000.00} for several years. My payments are made on time and I have never been over the balance. My current balance is approximately {$2700.00}. Today, I received a notice that my credit limit has been again decreased to {$2800.00}. Just less that {$100.00} from my then exiting balance. They might as well have closed the card. This unfair and deceptive trade practice by Bank of America will cause my credit score to be artificially lowered because my credit profile will now show a credit card that has been " charged to the limit. '' B of A did this intentionally to harm my credit and punish me for not using its high interests fee laden card more frequently.

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 2018-02-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother has a mortgage with Fifth3rd bank since XX/XX/XXXX. At the time of closing on her new home she and my dad purchased Mortgage Protection Insurance. The insurance would pay off a mortgage at the time mortgagees passing. Fast forward almost 20 years later, XX/XX/XXXX, My dad XXXX. After everything settles we contact Fifth 3rd,  immediately get the runaround. After what seems to be a lifetime of transfers and dropped calls, we learned very quickly that no department communicates to the other. Our Initial question was how could we go about making a claim to have the mortgage paid off. We were told they no longer acknowledge that product and we should have been reimbursed. Our next question was when was she reimbursed and what was the amount. No answer was given. 

Out of frustration we asked the pay off on the mortgage we were told XXXX. We were floored my moms mortgage with XXXX? ... .when the purchase offer home was XXXX back in XX/XX/XXXX. Fifth3rd refuses to acknowledge that accounting error. After reading the message boards we realize accounting errors are a very common practice. We have submitted " QWRs '' with the hopes of them recognizing the accounting issue, to no avail. We even had a lawyer contact them, who has been totally ignored as well. 

The stress of it all has caused my XXXX to XXXX. To the point the that XXXX that I donated to her is now damaged. She is now XXXX  and is being considered for a XXXX. I just dont want my moms last days here, stressed of how to pay for what essentially could be two homes. How many others are dealing with this chaos.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Upon reviewing my credit report I have found a Collection account in which I have no association with the collection account or the original creditor listed within the collection account. 

XXXX XXXX XXXX XXXX is reporting that I owe {$190.00} originally form XXXX XXXX is which i have no and never been associated with. I have attached a letter of validation for XXXX XXXX XXXX to validate this allege debt and provide any signed contracts so that i may understand where this is truly originating and find out if someone has stolen my identity or not.

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 2020-05-12
Company: LTD Financial Services, L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid off my debit with LTD financial in XXXX. They said they would send out a settlement letter stating that it is paid in full which I have. I have provided it to XXXX but they wont take it off my credit report or notate that it is paid in full. I did the same thing with XXXX and they completed everything. I would like for them to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had a lease XXXX XXXX XXXX with XXXX financial it was turned in in XXXX. Equifax is saying Im months late and Im not. Ive filed many disputes. Nothing is done still on my credit report. Ive called XXXX financial they say the account is closed and has been since XXXX and they have had no communication with Equifax. They told me to contact federal trade Commission since Equifax isnt removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2018 the company by the name of XXXX XXXX XXXX, XXXX. XXXX XXXX. Located in XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Took out {$900.00} dollars from my XXXX XXXX XXXXXXXX account. When contacting them they said it was for a Credit Card from XXXX   from more then 10 years ago.This " Debt '' that they were referring to does not even exist in my credit report. In the State of Florida there is a Statue that states within 4 - 6 years a debt can no longer be collected. Also I have been making payments to this same law group about 4 years ago. So on this day they took all the money from my account and had the bank freeze my account for no legitimate reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I placed and order with walmart.com Order # XXXX the items show delivered on XX/XX/XXXX and left at the front door no signature just left not handed to a person but left. The other one shows delivered XX/XX/XXXX and left as well. The area is not the best area and Im not understanding why a package was left. I contacted walmart.com and they told me that they couldn't help me because the package states delivered. I asked why did the package not require signature they stated its up to them to decide if it needs a signature or not. I contacted XXXX XXXX XXXX to dispute the charge and they tell me since it shows delivered although the driver just left it the they can't credit dispute. So now I'm left with no product and a charge to my card that I'm supposed to pay with interest for items I didnt receive. Basically I feel like because I ordered from walmart.com with my walmart card they wouldn't decide in my favor any way because its the same company.

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 2020-10-14
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a phone call from IQ Data International in an attempt to collect a debt this morning XXXX XXXX at XXXX XXXX regarding a {$250.00} charge that I owed to XXXX at XXXX XXXX XXXX. I was a resident at XXXX ( Located at XXXX XXXX XXXX  XXXX XXXX, XXXX, Ca XXXX ) for a period of 13 months, and moved out on XX/XX/2020. According to IQ Data international, I owe {$250.00} to XXXX and now my account has been sent to IQ Data to be collected. I had already contacted the XXXX at XXXX XXXX XXXX management about this matter on XX/XX/XXXX asking them to call me back because I disputed the charges and did not understand the charges. XXXX has wrongfully charged me for 1 day extra on that bill, claiming they did not get the keys from me until XX/XX/2020. Also, they claim that I have not returned all keys to them so there is a lost key charge ( {$50.00} ). There are some additional charges on the account that I  was never told and I never agreed on when I had the manager over for the final walk through of my apartment. 
XXXX management has changed multiple times during my 13 months stay, and there is always a mismanagement of that place. XXXX owes me {$1500.00} for a client referral and has not paid me as of today. They referred my account to IQ Data International and this company called me this morning and the guys were super abusive on the phone. They were yelling and threatening me to pay or they will hit my credit asap. I told the guy I disagree with the charges and I am disputing and he started raising his voice and started became very hostile and abusive. Then I asked for a manager and XXXX came on the line and he was even worse than the first guy. Raising his voice yelling and threatening he will hit my credit and I must pay now. I told him I will be going to the XXXX to resolve the issue and he said they wont see me or they wont talk to me, which was not true. I went in and tried to talk to the new manager and they are gon na look into my case.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: MARINER FINANCE, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern : Im writing regarding inaccurate credit reporting by the following company. 
Mariner Finance formerly known as XXXX XXXX  I am disputing this account to be updated as paid with XXXX balance. This account is currently reporting balance of XXXX delinquent and/or derogatory. Beginning XX/XX/XXXX this account had an active payment plan of XXXX per month which was never reported to credit bureaus. As of XX/XX/XXXX I ask to close account for remains balance of XXXX. I was decline offer ; offered a counter offer of XXXX additional to the XXXX Ive already paid. As of XX/XX/XXXX Ive paid a total of XXXX to this account. Ive paid this account off triple, by the law it required to report accurate credit information. I request accurate information is reported or this account be deleted from my credit profile.

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