BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: MIDFIRST BANK
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:
To whom it may concern ; 1st Midland Mortgage was paid in full and still show my balance higher then my credit limit. This affecting my credit score because it showing I'm over the limit. 
2nd it showing on XXXX late on XX/XX/20 and no payment information from XX/XX/20 to XX/XX/20 and is also affecting credit score. 
3rd on all 3 credit agencies ( XXXX, XXXX, and XXXX ) are reporting different and inaccurate information.

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 2020-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX XXXX was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18
Company: KEYCORP
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have had this loan from Key Bank since XXXX ( I believe ). It has been a constant problem with them applying my loan payments at different times and confusing late fees. At one point ( XXXX, XXXX ), I submitted a complaint and the agency that investigated found several payments that had not been posted. I recently paid off the loan and Key Bank attached unpaid " Late Fees '' of {$630.00} without verification. Key Bank also placed what they termed " Recoverable Corporate Advance Balance '' of {$1300.00} without any explanation of what this amount constituted. The list of payoff amounts ( including the ones just referenced ) was issued XX/XX/XXXX. The amount they requested was paid in full XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Law Offices of Timothy M. Sullivan
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filing a complaint due to continuous ( XXXX ) XXXX and HS FINANCIAL GROUP LLC case # : 2019 XXXX XXXX have been calling, harassing, and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
someone hacked my online account on XX/XX/XXXX with American Express Serve. I had my debit card from another account linked to the XXXX card, that person transferred {$100.00} to my XXXX card. XXXX ( my phone company ) withdrew that amount & more the same day. I filed a dispute with XXXX because XXXX was n't suppose to take that much off my card. I called a week from XX/XX/XXXX to find out what was going on with the dispute & a rep at XXXX told me that the dispute was closed & there was nothing they could do because XXXX had took the money off the card. So I paid off my debit card & moved on. On XX/XX/XXXX XXXX so called " transferred '' the {$100.00} back to my debit card. I was not aware that a investigation was still being done. As of XX/XX/XXXX I have n't received the money on either card & have been given the run around about what they are doing next. I asked to dispute it & I asked for the money back many of times. XXXX states that another department is reviewing it & all of my transactions on my account. I was told on XX/XX/XXXX, it took 7 to 10 days to review my account. I asked for emails to be sent to that department & still have n't heard anything regarding this situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: MA
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 inquiries on my XXXX, XXXX, and Equifax that are not open lines of credit - I request that the CRAs remove these inquires immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am inquiring about account numbers, which belong to my decreased brother. I am the beneficiary on these accounts. 
As of XX/XX/2022, I was told by representatives, I as the beneficiary could not close these accounts. I proceed to talk to the Regional Director and I was informed she would get back in contact with me regarding these accounts on XX/XX/2022. 
On XX/XX/2022, I have sent certified letters to the Chairman/CEO and President/COO. Could you please help me with this issue? 
As of today, XX/XX/2022, I need to know what's going with these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am currently disputing a fraud item from XXXX which took place in XXXX, however recently XXXX placed a hard inquiry on my credit reports without reason.

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 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
US DEPT OF EDU Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX I did not open these accounts. I was never made aware of the opening of these accounts. I have never knowingly paid any money toward these accounts. These fraudulent accounts are being inaccurately reported by XXXX, Transunion, and XXXX. US Department of Education and XXXX XXXX XXXX XXXX are harassing me for payment but have never responded to my disputes or validated these debts. It has been well over 60 days since I disputed these accounts. I have not received a response. Remove these account immediately or I will sue. My right to privacy has be violated repeatedly. I have not gave anyone permission to furnish this information on my consumer report. My information has been violated by the XXXX Data Breach. I am a victim of identity theft. I have submitted multiple copies of my identity theft report and they refuse to block this information from my consumer report. No debt collector has provided me with documentation of my signature validating these accounts. I have submitted affidavit. This information needs to be removed IMMEDIATELY.

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 2020-08-03
Company: EQUIFAX, INC.
State: AR
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX XXXX XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: LEXISNEXIS
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:
I have been going back and fourth with Lexis Nexis and the bankruptcy they are reporting on my credit report. The first complaint I filed with them they said it was a matter of public record, BUT there is no such thing as public record because I, the consumer, have a right to privacy 15 USC 1681 ( a ) ( 4 ). They also stated they investigated it but 15 USC 1681a ( e ) states that they need to interview my personal associates as well as not include factual information. Additionally, the bankruptcy court already told me that they do not furnish anything to consumer reporting agencies. After the first complaint I filed they said they needed more of my identification information. So I sent them a copy of my social security card in addition to identification papers they sent me.They responded by sending me a copy of my consumer report on XX/XX/XXXX. They are in clear violations of these laws, and they have yet to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 26 FRAUDULENT HARD INQUIRES ON MY REPORT ..PLEASE REMOVE THEM ALL.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-08
Company: CITIBANK, N.A.
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: Other problem

Complaint:
I had a Citi Diamond Preferred credit card that was part of a payment program. Before the balance was paid off, we were able to use other funds to pay off the balance and terminate the payment program. Citi Bank was paid with a check from a California licensed escrow company. The check they received was in excess of my current balance. They received this check on XX/XX/2020. When I called them on XX/XX/2020 they confirmed my credit balance of {$72.00}. When I requested they send me a refund check they responded that I had to wait two weeks. They were paid by an escrow check so there is no reason to wait to see if the check was good. It was not my personal check or a cashier 's check. While this may be perfectly legal, I feel it's UNETHICAL for them to hold onto my funds for two weeks for no reason. I spoke to a supervisor when I called and he took down all the information and told me to call back in two days. When I called back I got the same response that I had to wait two weeks for payment. I told them if they were not going to request my refund check that day I was going to file a complaint with the CFPB. So this is my formal complaint.

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 2021-02-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I opened my bluebird amex card several weeks ago, and I set it up for receiving direct deposit into it. Recently my friend authorized me to make a purchase for him, since he was unable to receive it at his address. He added his debit card to my bluebird account as a funding source, and provide me with a power of attorney to use it. After that he transferred to my bluebird {$600.00}, and I transferred to it over {$100.00}, and bluebird sent me an email that they suspended my bluebird amex card, and by phone they told me that for remaining balance I had to write to Bluebird Customer Care XXXX XXXX XXXXXXXX XXXX, GA XXXX I'm expecting my direct deposit later this month, and I rely on it to pay for my rent and food, but the card is suspended, the customer service is in XXXX, and that address is registered for various prepaid cards with tons of negative reviews and bunch of complaints. 
There are multiple companies ' names with different phone numbers listed under that address, and nobody there knows what is going on, asking me to write them a letter to XXXX. XXXX XXXX XXXX, GA XXXX But their official address on XXXX  listed at XXXX. XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive reached out to XXXX XXXX and my debt is paid but they will not remove it from 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 non-monetary relief
Consumer complaint received 2021-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Kohls/Capital One is reporting a charge off account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Capital One wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged amount. XXXX and XXXX  have already removed this account from my credit for Violations against the Fair Credit Reporting Act. Capital One also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting Capital One delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: LEXISNEXIS
State: GA
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:
To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am really disappointed in the handling of my previous request to navy federal in the letter I sent them on XX/XX/20. I am requesting that the CFPB investigate this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive had a Coinbase account for several years. Two months ago they locked my account. I made several complaints and no one ever got back to me. I want my money released back to me and I want to close my account with them for their terrible customer service. I almost feel like its a scam and they stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX XXXX I went to the XXXX Branch where my parents banked to close their accounts ( which were in a trust ). To make a long story short ... the woman that issued the checks handed me all of the documents required to close these accounts. All with live signatures, along with my copies. Hence, she had no documentation for closing out accounts that were substantial ( ending in 6 digits ).  The bank called me approximately a half hour later and ask if I would return the documents. I told me it was their mistake and they were more than welcome to pick them up from my home. They sent a courier to retrieve documents that should have NEVER left the branch. Upon closing these accounts I asked 3 times about the safety deposit box my parents had and was told they did n't have one. NOW .... NINE YEARS later, I receive a letter addressed to my parents stating that their safety deposit box access will be restricted until ( my parents ) contact the branch. I phoned the branch and ask for a branch manager ... which they do n't have. I spoke with a glorified teller who refused to give me his supervisor 's name and phone number. After several attempts, I got the supervisors name, and spoke with him, and several days later he said he would have a bank manager at another branch take over the situation with the safety deposit box. That was over 2 weeks ago and I have n't heard from anyone since.

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 2021-02-20
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XX/XX/2021, I was told by mortgage company that in order to apply to refinance I would need to pay {$550.00} with my credit card card to start the process, and this needed to start the process and I was even told that the since the property was just 2 years old that the appraisal fee would get back to me. Either if I get the refinance completed or not. 

Since the appraisal was never done and the company was not able the deal I requested the money paid a couple of times and they said it woukd take from 5 to 7 business days and I still have not received it. 

On XX/XX/XXXX I contacted by text and by email XXXX XXXX XXXX XXXX XXXX | Better Mortgage XXXX XXXX | XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX , NY XXXX XXXX NMLS ID # XXXX and I was told it would take 5 to 7 days and today is XX/XX/XXXXXXXX and I still not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call from Alltran Financial alleging I owe them an auto debt. I do not know who this company is, I 've never heard of them and have done no business with them. I 've also received no information in the mail regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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