BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get numerous phone calls from this phone number and it is for someone else ... They have the wrong number. It is a robo-call, so I can never speak to anyone to correct the error. They call every day at least once. The name on the caller ID says it is PENN Credit Corp. I do n't have any outstanding debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: SUNTRUST BANKS, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX 2017 I called Sun-Trust Bank of GA and requested that they close my account.
We finally worked out a balance of {$8.00} due XXXX/XXXX/2017 to close both checking and savings accounts. It was never done. Charges came into the account and we finally got a pay off balance of {$3.00} last week. I transferred {$25.00} from XXXX ( XXXX XXXX ), a wire transfer that was paid to Sun-Trust yesterday. Today I call and they tell me that I must talk with their transfer company at XXXX to verify my wire transfer tomorrow and then, maybe I can call Sun-Trust back, as they told me today that they need me on the phone to close the account.
I have had one story after another 3 or 4 times a week since XXXX 2017 to get these accounts closed.
Sun-Trust had done everything to delay this closing.
Please help me?
Sincerely, XXXX XXXX XXXX last 4 SS - XXXX Acct. XXXX Savings Act. XXXX Checking 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 2022-01-19
Company: Maximus Education, LLC dba Aidvantage
State: OH
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 one 90 day late payment on this account which makes no sense because I have had a positive history. This remark is hurting my payment history and ability to purchase a home. Each time I dispute they say it is verified or updated with no explanation or proof on how the information was verified. I have also wrote XXXX and they never replied. I want this removed off my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have disputed multiple addresses and other false or in accurate information on my credit report With XXXX to the point where they won't let me file a dispute using the app anymore on those particular items. A caption that comes up every time It says a certain account is still reporting but if I tell them it isn't my account then why are they even letting it report? I did some disputes for XXXX & Equifax through the mail and both same results no luck with any of it. There is a lot of errors and inaccurate information on my credit report which is a total violation of the FCRP act. So I sent in a personal information update letter with my Current Personal Information. All was done was the added my new information with the inaccurate information that I've been trying to get off for the last 3 years or more. I filed a Identity Theft report and they still haven't removed any of the fraud or inaccuracies off my credit report and they fail to physically verify them also and will not delete them. Which is also a violation FCRP Act. They have no regard for the individuals whose information they make money off even if its wrong and it does slander the individual whose name is on the Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This date is a recertification. This did was on my credit report. I have sent this company certified letters in they have not replied back to my response. I was not notify that this company had put this back on my credit report. This is the 3rd party collection agency I have not made any agreements with them Regarding this debt. Please have them check their records. The credit bureaus removed from my credit report in they reinserted back on my credit report. I did not even receive of a 5 day notice that this was gon na be reinserted back of my credit report. I contacted the original agency and they said I didn't owe. This is the FTC that I'm contacting this is not legal I'm asking for the ftc to investigate this in have this removed from my credit report. I asked for original information regarding this debt I was not supplied with the original debt. I am requesting did this be removed from my credit report immediately or legal action will be taken. This company has violated the law in has not provided me anything of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have filed a Insurance claim back in XXXX of 2018. Since then we got an estimate in the amount of XXXX. We have sent this to the Mortgage company and explained to them that this was half of what the contractor was wanting to do the same work. They were asking for XXXX up front and were waiting on the Insurance company to correct the their estimate. Since then we filed a complaint against the Mortgage company and finally got a XXXX of the amount originally estimated. We now have the Insurance company to agree to increase the cost for the same work and we settled at {$81000.00}. The Contractor is now ready to start the work but needs the difference in the XXXX amount up front. The mortgage company can not under stand the estimate so they are sending out inspections of work that has not started. They sent out an inspector less than a week ago and now want to come out again. We keep telling them there has not anything done because we need more money to start the work. I have called several time and today was on the line for 1hr and the last thing they told me is the same thing they told me at the beginning of the call, we need to inspect with the new estimate. Again this is the same estimate as was used on the last estimate just for more money. The Inspector even said there was no need for him to come out when there is nothing done. We have spent over 20,000.00 in material that are here at the house, only waiting for the contractor to start the work. On top of all of this I have had major XXXX and not able to work for a couple of more weeks and my home is torn up waiting for the work to start. Please help up so we do not get into a foreclosure issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CITIBANK, N.A.
State: FL
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:
I applied for a Citi AAdvantage Executive World Elite Mastercard at a Citibank branch on XX/XX/XXXX and the application was denied. Days later I received the letter and the reason it's as follow : " We received notification from another Citi business that your relationship with Citi has been reviewed and it was determined that we can no longer service any accounts for you '' The reason my application was deny it's vague and doesn't say specifics when The Equal Credit Opportunity Act provides that all consumers should have an equal chance to obtain credit. It requires the creditor to explain their reasoning when denying a credit application. 

As well as the Act requires that the creditor provide the denied applicant with a notice that explains exactly why the application was rejected. The Act also requires that the denied applicant has the opportunity to request an explanation if they ask within 60 days. 
Onviously the card I receive has no valuable information and none was provided by me when I called some different departments at CitiBank.

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 2017-07-27
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ARA, INC. in XXXX XXXX, IL .... sent me a letter saying I owed {$610000.00} ... .on a credit card debt that was dismissed during a bankrupcty in a case that started in XXXX ... ..got a letter in the mail on XX/XX/XXXX ... said they were trying to contact me for years ... this was the first letter I have received ... The said they were going to sue me and get a judgement on everything I own and attach my wages ... .. I called them and they said they would accept {$3100.00}. I am XXXX years old and I do n't want to be sued ... .did n't realize at that point it was included in a bankruptcy that was filed in XXXX ... I paid {$300.00} to them upfront and said they would not sue me if I paid the balance in 10 days.. after that, I realized that it was included in a bankrupcty .... I called back and talked XXXX XXXX was screaming at me, said now the entire amount is due ... .she hung up on me ... I was just trying to determine what this was about ... I have copies of my bankrupcty papers ... which includes the XXXX XXXX credit card ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello,

On XX/XX/XXXX, I sent a wire transfer to Coinbase to the amount of $XXXX. A day later, Coinbase responded by saying the name of the wire did not match my account information, and thus they needed to reverse the wire. That email was sent on the XX/XX/XXXX, and they confirmed that the wire would be reversed in roughly 7 business days. It has now been 16 days since that email, and the funds have not shown up in our account. We have tried contacting support multiple times, and we have supplied them with relevant information regarding the wire.Warm Regards,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, 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:
I was surprised when saw 3 lateness on credit report. All of them are closed and paid in full with XXXX balance. Can you please remove these 3 accounts from Equifax credit report like have done already XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have just received a credit card through Citi Bank. The Custom Cash Card. And I used it once and immediately got locked out of the card and had to go through a verification process. After getting the card unlocked I used it again on a single purchase to wash my car then tried to use it at XXXX and it was again locked for suspicious activity. Called to try to unlock it and they have to send me a letter to verify suspicious activity again. I asked them if this was going to be and ongoing issue that every time I used the card once it was going to lock me out of the card and they hung up on me. I had to over draw my bank account to purchase the items I needed at XXXX. This is outrageous. I understand wanting to protect against suspicious activity. But not every time I use the card

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 2021-07-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After multiple of disputes no information provided by the company ( XXXX  XXXX  ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX XXXX 
I have only received a reply from Experian that they verified information and its accurate and complete!!!??? Accurate and complete??? As per enclosed Screen Shot last time they verified this account XXXX means they never did .XXXX  sent me XXXX  sent me a post card stating that they can't find me in a system with a bogus explanation, which is basically computer generated " go away, do not bother us no more '' message .XXXX  did not even bother to reply ever .Please review all attached documents and Certified Mail Receipts.

Bellow is my brake down of how the account is reported by the furnisher and all 3 Credit Bureaus : Date account opened : XXXX  XX/XX/XXXX Ex XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX # of Month of terms : XXXX XXXX Ex. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX {$6100.00} Ex XXXX XXXX XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXX XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXX XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It means XXXX have never conducted investigation and have never responded to XXXX  and Experian .XXXX and Exppirian have never initiated investigation either. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXX XXXX  refers to!!!!! How do I even know who this account number belongs to??????? 
To establish the credit file the furnisher must submit the initial contract to all 3 Credit Bureaus, than how this account number belongs to me without my signature????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On my credit report in XXXX the company began reporting my account as delinquent and placed it in collections/ charge off. In XXXX after consistently reporting my account as a charge off collection, they began reporting the account as open and late XXXX days. Since XXXX they have been reporting it monthly as a XXXX  days late which continues to hurt the chances of my score rising and has had a greater impact on my score verses when they were reporting the collection/charge off. I have not consented to any payments or provided any payments since XXXX and have had no contact with them or any representatives of theirs. Nonetheless they have began reporting as if I became delinquent at a later date, which has not only significantly impacted my score monthly but has also lead to the statue of limitations to be extended by XXXX years. This account was suppose to be deleted in XXXX and is now scheduled for deflection in XXXX. Thats almost XXXX years past the start of the loan and the last actual payment made towards the loan. I have disputed but continue to be denied although I have prof of the account showing collections and chafed off during the years 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 2019-05-02
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I made a eligible purchase using my Delta Platinum card over 8 weeks ago and met the minimum spend requirement for sign up bonus. I haven't got the delta miles bonus yet and have not been able to transfer membership reward points to other partners.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2022, I was in XXXX, XXXX at a restaurant called XXXX XXXX where {$470.00} was charged on my card. Only {$180.00} was supposed to be charged on my credit card. I paid {$370.00} USD ( XXXX pesos ) in cash and the rest of the bill was supposed to be charged on my card. Instead, the restaurant decided to charge the whole thing on my card. I tried to explain this to Chase Bank and was denied twice. The first time I tried was on XX/XX/2022. They didnt get back to me until XX/XX/2022. I called into the customer service number and they told me to contact the restaurant directly and the restaurant told me on XX/XX/2022, that its been too long and to handle it with my bank. So I called Chase again on XX/XX/XXXX and they told me that I could re-open my case and to write a letter and I can drop it off at any Chase Bank institution. I wrote a letter and had someone from Chase Bank submit it for me on XX/XX/XXXX. I waited a few weeks to call again to check if my letter had been received. No such letter was received when I had called in on XX/XX/XXXX, so the Chase representative told me to send the letter via email. They sent me a letter on XX/XX/XXXX and XX/XX/XXXX saying that theyd work on it. Fast forward to today, XX/XX/XXXX, is when I got another denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This bill was from XXXX & XXXX  from years ago. I have rectify this bull on multiple occasion with XXXX XXXX XXXX where I called them and explained and spoke to them about how the debt is resolved through my trade in. 
This has already been attempted to be collected from a previous company and failed to do so because the debt isnt owed to them. I have resolved this and XXXX XXXX XXXX  acknowledges the debt as not being owed by me as they have already forfeited on claiming that I owe it. Now due to the previous company not being able to resolve it and has now sold the debt to possibly a new company which is ruining my credit from a paid and already resolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: NC
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:
These accounts are fraudulent : XXXX XXXX XXXX XXXX {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: AL
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:
On my credit report in XXXX the company began reporting my account as delinquent and placed it in collections/ charge off. In XXXX after consistently reporting my account as a charge off collection, they began reporting the account as open and late XXXX days. Since XXXX they have been reporting it monthly as a XXXX days late which continues to hurt the chances of my score rising and has had a greater impact on my score verses when they were reporting the collection/charge off. I have not consented to any payments or provided any payments since XXXX and have had no contact with them or any representatives of theirs. Nonetheless they have began reporting as if I became delinquent at a later date, which has not only significantly impacted my score monthly but has also lead to the statue of limitations to be extended by XXXX years. This account was suppose to be deleted in XXXX and is now scheduled for deflection in XXXX. Thats almost XXXX years past the start of the loan and the last actual payment made towards the loan. I have disputed but continue to be denied although I have prof of the account showing collections and chafed off during the years 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 2021-04-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Tried to pay a bill and it kept getting declined long story short my account is under review with Citibank and now they cant service me At all even at a branch. They told me I cant take money out of my saving and checking account. I have bills to pay my daughter to feed tomorrow is Friday her grocery is due tomorrow her tuition and I have no money to pay because my last penny is in that account. Customer service couldnt help me they keep saying 24-48 hours and nothing they literally have my life on their hands and its horrible I need to continue with my life I need to feed my daughter

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