BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. My confidential documents like m Social, Birth Certificate, Checking Account Information and my kids documents were stolen in XXXX. I noticed a number of accounts when I pulled my credit report in XX/XX/XXXX. I filed 4 identity theft reports in order to be able to include all fraudulent accounts, as well as, a police report. I have mailed the first ones to the credit bureaus. The original to TransUnion a copy to XXXX  and XXXX   thinking the issues would be resolved. I have filed new and updated reports today and have attached them to this complaint. 

I have listed the accounts that are a result of fraud 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  ) INQUIRIES ARE 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 explanation
Consumer complaint received 2020-09-02
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A complaint was submitted to CFPB on XX/XX/2020 after certified letter debt validation letters where sent to IC SYSTEM ON XX/XX/2020. IC SYSTEM responded on XX/XX/2020 to my complaint with a credit removal document with corrected spelling of my name, and stated that this would no longer be reported and it would be removed off of all credit bureaus. As of XX/XX/2020 the following debt still appears on XXXX  and XXXX. XXXX XXXX  XXXX : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: States Recovery Systems, Inc.
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: Account status incorrect

Complaint:
I moved from my apartment And shut off my XXXX service when I initially set up service I paid a deposit and I never received a bill. I was unaware of the balance until it showed up as a collection account on my credit report. I immediately called XXXX and was the representative advised me they would recall the debt and reverse the charge off and bring my account back in good standing and that the collections trade line by STATES RECOVERY SYSTEMS INC would be removed from my report. It was onli updated to paid and I called XXXX back and they advised me that they had already notified STATES RECOVERY SYSTEMS INC that it was no longer a valid debt and that it should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
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: Information belongs to someone else

Complaint:
The following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XX/XX/XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX 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 2020-09-22
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Was a victim of fraud. Refused to refund the money after all documents were provided. The continue to ask for documents that fraudsters don't provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
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:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX  XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America NA charged me {$75.00} annual fee for its XXXX   XXXX  credit card. However, during the Covid19 with all travel advisories and local restrictions, it is intangible to be use the benefits associated with the annual fee. I contacted Bank of America numerous times, and once their phone agent agreed to waive the fee but mentioned the system did not allow refunding a fee charged several months back. In subsequent conversation, another agent said they are unable to refund the fee. The fee is essentially for service not delivered.

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 2020-10-15
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 Amount {$950.00} Company XXXX XXXX  XXXX/33 Account number XXXX Asked this company to remove this off my report since this is not mine.

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 2022-10-13
Company: Experian Information Solutions Inc.
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 see there are XXXX student loans on my credit report with all XXXX credit bureaus XXXX, XXXX, and Experian server of the loans XXXX. I only hold XXXX XXXX loans all with XXXX in which I have a contacted XXXX and all XXXX credit bureaus filing disputes about the loans for several months they say they are accurate and they arent as I said I hold XXXX loans with XXXX from from XXXX, and XXXX all XXXX in XXXX then so how they say the loans went into default how when they were discharged in XXXX then in XXXX they reinstated the original XXXX loans from XXXX and put them on my credit as new loans in XXXX as if I have XXXX loans though all XXXX loans have zero balance I dont hold XXXX loans I only hold XXXX I have asked XXXX XXXX remove the duplicate loans from all XXXX bureaus over the past couple of months they refuse and I also dispute with all XXXX credit bureaus and sent my letter from XXXX I only hold XXXX loans

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 2020-07-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
When applying for the XXXX XXXX XXXXXXXX rewards card the application has a section that asks for the SSN of the business applying for credit. When I clicked on the icon next to the SSN section it said " Your Social Security Number or Individual Taxpayer Identification Number is required to verify your identity '' there was no mention of my credit being pulled, causing a hard inquiry on my credit report to appear. Here 's a copy of the decision : American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/2020 XXXX : XXXX Dear XXXX XXXX XXXX, Thank you for applying foXXXX XXXX XXXX XXXX Rewards Card from American Express. We are writing to let you know that, unfortunately, we can not approve your application at this time. 

Reason ( s ) for Our Decision Your FICO score ( see below ) Information About Your FICO Score We obtained your FICO score from XXXX and used it in making our credit decision. Your FICO score is a number that reflects the information in your credit report. Your FICO score can change, depending on how the information in your credit report changes. On XX/XX/2020, your FICO score was XXXX. The FICO score ranges from XXXX to XXXX. The following are the key factors that contributed to your FICO score :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUIFAX, INC.
State: MI
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:
bankruptcy XXXX bankruptcy XXXX i supplied them with letter of dispute and reason and they refuse to update my account in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 advised TransUnion on several occasions that the account reporting from XXXX XXXX XX/XX/2019 is not my account and may be a result of identity theft. I have provided proof that the account does not belong to me, and TransUnion has failed to plea their case on how they where provided this inaccurate information. Please help me resolve this matter.

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 2017-09-22
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed from the companyXX/XX/XXXX. They were supposed to take out {$520.00}XX/XX/XXXX, but instead have been taking out {$120.00} every 2 weeks. I finally checked today to see if they were done withdrawing funds and they still show that I owe {$520.00}. When I asked for the original contract they sent me one dated for the XX/XX/XXXX. It appears they keep renewing my contract every 2 weeks. This is fraudulent and I was unaware they were doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: The CBE Group, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The CBE Group INC-Former at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CITIBANK, N.A.
State: FL
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:
In XXXX, 2020, before the problems with COVID 19 appeared, we paid {$61000.00} for a XXXX Cruise using our Citibank Visa card. On XX/XX/2020, XXXX XXXX XXXX ( XXXX ) informed us that had to cancel our cruise due to CDC guidelines. We chose to receive a refund instead of re-booking another cruise next year. On XX/XX/2020, XXXX returned {$61000.00} back to Citibank creating a {$54000.00} excess credit in our account. We called Citibank on XX/XX/2020 and spoke to customer service. They initiated the process to wire transfer {$54000.00} to our checking account and that it would take 3-5 business days. We never received any money from Citibank so on XX/XX/2020, we called Citibank Customer Service again. This time we were told that because it was such a large amount, it had to be approved by 2 different supervisors and that the final approval had been done on XX/XX/2020. We were told again that we should see the money in our checking account in 3-5 business days. Again we never received any money so on XX/XX/2020, we called Citibank customer service and this time we asked and spoke with a supervisor named XXXX. She could not give us any reason why we hadn't received our money yet and she would have to research 2 departments to find out what happened. She gave us no timetable as to when we were going to receive our money but that she would contact us if she found out anything, As of XX/XX/2020, we have received no money and no information from Citibank as to when we will receive our money!

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 2020-07-25
Company: Erin Capital Management, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern In XXXX i moved to XXXX from US. Beetween XXXX I live in XXXX. I only came to US for vacation. And i didnt receive any document from collector or Court. Our bank account was frozen on XX/XX/XXXX. ( with my husband ) My husband called the XXXX and XXXX company. The company emailed us a paper to release the account. And they never told us that we could defend ourselves. I signed the paper on the XXXX of the month and approved it from the notary. I sent the company by email. Our accounts were released at XX/XX/XXXX and {$6700.00} was withdrawn from my account for debt. On the XXXX of the XXXX, I received letters from the company and my bank separately. It is written in 2 separate letters that I can appeal. These letters were mailed to me on XX/XX/XXXX, when they guaranteed to get the money from me. 
The letters also say that if " my income is unemployment benefit '' they can not withdraw money. Even so, they withdrew the money. XX/XX/XXXX I went to the court concerned to vacated a judgment. XX/XX/XXXX was the result, Judge declined. Because my prove is to complicated. I will do clearly with my old passport. As a reason, I wrote that I was not in the US at the time, on the court date, and that my unemployment benefit was confiscated. Despite this, I was rejected. 
I complain about this company because they didn't tell me about my defense rights. What can I do legally, please help me.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-19
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Sent money through WesternUnion on XX/XX/XXXX details as follows : Payment Checking ending in XXXX XXXX XXXX XXXX XXXX ending in XXXX Money available : 4-5 business days Summary Transfer amount XXXX USD Transfer fee + XXXX USD Total XXXX USD Exchange rate XXXX USD = XXXX NGN Total to receiver XXXX NGN The money was sent to my bank account in XXXX XXXX in XXXX and its to be credited to my account in 4-5 business days. To date the fund is not credited to my account. I have talked to WesternUnion Representatives on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. The only answer I get is that they have emailed XXXX XXXX and that we have to wait. The case number is XXXX. 

The fund is for my family members in XXXX for XXXX. Please help! 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: JPMORGAN CHASE & CO.
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 had an available credit amount of {$30.00} on my last statement, made a total of {$480.00} in payments and had {$72.00} posted charges and {$220.00} of pending charges. I should have {$220.00} in available credit ( I have a {$400.00} credit limit on this card ) but was only given {$170.00} credit. After speaking with several people at Chase via phone who agreed with me, I was transferred to XXXX, who works in XXXX Florida ( her supervisor is XXXX XXXX ) who argued for over a half hour that my available credit should not be {$220.00}. We went over the calculations and she refused to simply add up the amounts. She refused to give me access to my credit saying that I was wrong. I am now unable to pay a bill because Chase is refusing to provide me with the difference of {$170.00} and {$220.00} ( XXXX ). Here is the calculation done two different ways : {$30.00} available credit XXXX purchases + {$300.00} payment - {$52.00} purchases + {$180.00} payment - {$220.00} pending charges = {$220.00} available credit. OR ... .. XXXX statement balance +XXXX purchases posted -XXXX payment posted + {$52.00} purchases posted - {$180.00} payment posted + {$220.00} pending purchase charges = {$170.00} balance of charges $ $ {$400.00} credit limit - {$170.00} balance = {$220.00} available credit. In speaking with several customer service and payment center representatives since then ( XXXX AND his supervisor XXXX in XXXX XXXX to name a couple ), they all refused to provide me with the proper credit. XXXX even told me that {$170.00} should be my available credit ... which is WRONG! That instead should be my balance charged on my card after the pending charges come through. Chase holds onto your money improperly- gaining daily interest on money you pay over your credit limit but not even allowing your access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX XXXX, recently I had a problem with Citibank. On XX/XX/2020, Citibank froze my account without notice or explanation. When I discussed this with the bank, they said that there was fraud on my account. They told me the investigation timeline is from 30-60 days, but I never received any statement saying this. It is now XX/XX/XXXX, and its been almost two times longer than what they initially said it would take. All my attempts to contact the bank on the phone and in the local branch have been pointless. Each time I call, they transfer me from department to another with no result, and then after a certain amount of time on the phone hey disconnect me. During this difficult time I have to fight the bank, for them to give me my own money back. I am a single mom, and I have a lot of economic problems, and I just don't have the knowledge or time to fight with one of the biggest banks in the U.S. I  can keep calling the bank with no result, but It would be of great help if you can hep me resolve this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number : ( XXXX ) XXXX Citibank Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a 12 month CD with BMO Harris bank. the account was open online. no phone calls were made. no visit to bank. the funds were online transfered within seconds from XX/XX/XXXXto bmo harris bank. now the cd is mutured and they say i have to visit the branch in florida because they dont have a branch in new york. they say funds can not be transfered online.

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 2020-05-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is not abiding by the CARES Act as well as the other mortgage company I submitted prior! They are all like robots randomly calling me and sending the same redundant letters over and over again. It is exhausting and ridiculous! They all tell me I MUST repay all of the 90 day forbearance at one at the end of 90 day period. They are also not to report the bureaus at all nothing for 90 days. They are not reporting me late, but they are reporting my balances higher and higher and it is dropping my score substantially this is a double edged sword and a NIGHTMARE! 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