BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
REF Complaints # XXXX Dear Citi Card and Federal Trade Commission!

I am disagree with the solution for the complaints # XXXX ( Attach you will find the receipt Date XX/XX/XXXX ). I would like to withhold repayment to the credit card for a particular purchase ( {$89.00} ) on which I file a dispute. Here are that merit a dispute/the receipt : X I only authorized this merchant to charge me one ( 1 ) time in the amount of {$4.00}. I did not authorize any other charges from this merchant. ( See Receipt ) X The receipt said the cost of this item only {$4.00} NOT {$89.00} or {$94.00} NO part of this receipt approve merchant send their product to my home more than once X NO part of this receipt asking the buyer cancelled to avoid future billings X The merchandise never arrived and the item never was delivered to my door.

X My number one reason to file with FTC because Citi bank manager told me more than 10 times : The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant REF to XX/XX/XXXX Reverse {$89.00} OnXX/XX/XXXX : Citi bank call and left the msg on my home phone said : There are so many fraud charge in my visa, please call back On XX/XX/XXXX : I request Citi bank cancel the visa and send me the new visa card On Tuesday XX/XX/XXXX @ XXXX : I call Citi bank regard to XX/XX/XXXX statement REF toXX/XX/XXXXReverse {$89.00} o Citi bank said : since I file as Fraud which mean some one steal my visa and order the merchant o I told Citi bank more then 10 times : I only authorized this merchant to charge me one ( 1 ) time. I did not authorize any other charges from this merchant.

The item never arrived the item never was delivered to my door.

Since the Citi left the message on my home phone about fraud. I misunderstood Fraud and dispute. I would like to file dispute now.

o Citi bank said/reply more than 10 times : You support to file as dispute NOT fraud The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant I certify that the information I provided is accurate to the best of my knowledge.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2021 I filed a dispute with the major credit bureaus XXXX and Transunion about the unverified info being reported from AUTOMATED COLLECTION Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you

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 2021-09-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I reviewed a copy of my current credit report and show incomplete or inaccurate information listed. The creditor Original Creditor : XXXX XXXX XXXX account number XXXX shows alleged account paid as agreed. This creditor advised that due to payment received successfully the creditor agreed to delete the account. This was a payment received as pay for delete. This is not a dispute buyer request for removal due to pay for delete. Please delete this account as creditor has agreed to do so. 

Account Name : ( Original Creditor : XXXX XXXX XXXX ) Account Number:XXXX** Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX 2017, I went to lease a car to XXXX XXXX XXXX XXXX VA. They checked my credit report on XXXX  credit bureau. According to XXXX, I have no credit profile.

On the other hand, I have three credit cards of XXXX XXXX, XXXX  and Best Buy. Three of these companies have my credit profile and I have a good credit score near more or less than 700. I talked to XXXX XXXX and they told me that they report my credit profile to all three credit bureaus including XXXX and XXXX. XXXX XXXX customer service agent told me that they are legally confined to send my information to all three bureaus.

Then I talked to XXXX and they told me that they have my credit profile as XXXX XXXX, best buy and XXXX is reporting them my profile on monthly basis. Contrary to this, XXXX told me that they do not have my credit profile and any of these three companies including XXXX XXXX, best buy and XXXX is not reporting to them my credit profile and I have to talk to my bank XXXX XXXX  about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in 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 2021-11-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have gotten an email from paypal today XX/XX/2021 that my account has been permanently block and they closed it because I have " violated user agreemnts '' and I didn't do anything new that might be considered as a violation of the user agreements the main problem is that I hold XXXX XXXX dollars on that account and my online business is going to be shattered if I dont get that money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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:
Equifax says they have not received any information from first federal since XX/XX/XXXX Other reporting agencies have revived the XXXX file from first federal and updated accordingly Spoke with XXXX XXXX ( XXXX ). And he says Equifax doesnt have any information from them since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CommonBond, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During a refinance process, I received confusing communication regarding my loan balance and as a result of this miscommunication, my account was reported as late and adversely affected my credit score unfairly. I now have to spend a ton of time disputing my credit with the bureaus as a result of their faulty operations. This has been a total nightmare.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: NC
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 seen this company on my credit report XXXX XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.

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 2021-09-03
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Virginia unemployment made a deposit XXXX in my account on XX/XX/2021 my account was close chase bank a still have the funds they never the money to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
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 seen this company on my credit report Portfolio Recovery Assoc and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Navient Solutions, LLC.
State: TX
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:
On XX/XX/2019 I called in to make a final payment for the full amount of my loan ( approx {$4100.00} ) and need to use my VISA Signature rewards cards to gain the points. They are refusing to accept my payment via cc. This is how I need to pay the balance in FULL. They keep bouncing me around to " supervisor '' to " supervisor '' and are not very helpful on the phone. The last supervisor I spoke with is XXXX with employee ID XXXX. I'm still on hold for another " Supervisor '' but I'm not hopeful. I'm literally trying to pay the balance in full however they will not accept the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
saw on my credit report I owed Resurgent Capital Services for XXXX XXXX  ( XXXX  XXXX ) credit card. Contacted company and spoke to XXXX XXXX who I told I had already paid this debt thru previous debt collect XXXX and XXXX, but tried to contact them and she informed me they went out of business but that she would resolve. Today I got a letter stating I owe XXXX to Resurgent on behalf of XXXX XXXX XXXX for the XXXX XXXX account that has been paid. I called and they said they were closed for the holiday ( it is XX/XX/XXXX ), left a message. I have the original paperwork that XXXX and XXXX sent me that they seeked a judgemnt thru XXXX XXXX court and my wages were garnished for the full amount of the debt showing on their paperwork. Now this new letter shows a different amount owed and since XXXX & XXXX went out of business or was shut down, I do not know how to prove this other than through my pay stubs which aside from the garnishment amount, I do not want to give them personal bank acct info- I need to know how to get this OFF my credit report as paid. It should be Resurgents responsibility to verify this debt, not me jump thru hoops showing it has been paid. this was done in XXXX per attachments, total garnished matches the paperwork for garnishment from lvnv

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Navient Solutions, LLC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Navient Student Loan Servicer is trying to charge me with Commercial/Private student loans, which were disputed in 2018. There were three letters written to this company to get this situation resolved. Today, I spoke with a customer service representative and a supervisor, regarding the situation and it still is not resolved. As explained, to the representative of the company, '' commercial/private student loans are only take out, when the unsubsidized, subsidized loans and grants don't cover tuition. Since the dispute has not been resolved, please contact Navient. I requested promissory notes in 2018 and they sent notes, with no signatures for these private loans. I am not responsible and require that a full investigation be done. Thanks for your help and hope to hear from you soon?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I went to lease a car to XXXX XXXX  XXXX XXXX VA. They checked my credit report on XXXX  credit bureau. According to XXXX, I have no credit profile.

On the other hand, I have three credit cards of Capital one, XXXX  and XXXX XXXX. Three of these companies have my credit profile and I have a good credit score near more or less than 700. I talked to Capital One and they told me that they report my credit profile to all three credit bureaus including XXXX and XXXX. Capital one customer service agent told me that they are legally confined to send my information to all three bureaus.

Then I talked to XXXX and they told me that they have my credit profile as capital one, XXXX XXXX and XXXX is reporting them my profile on monthly basis. Contrary to this, XXXX told me that they do not have my credit profile and any of these three companies including capital one, XXXX XXXX and XXXX is not reporting to them my credit profile and I have to talk to my bank capital one about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Southwest Credit Systems, L.P.
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: Information belongs to someone else

Complaint:
Reviewed my credit report seen where there was a collection account from " Southwest Credit Systems '' for an account with XXXX or whomever it is with. 
I've never done business with XXXX or this company or ITS affiliates. 
PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS ASAP. 
I'M ALSO ATTACHING A COPY OF A POLICE REPORT RECENTLY FILED. 
THIS IS NOT MY ACCOUNT. 
SEIZE ALL COMMUNICATION EFFORTS AND REMOVE THE NEGATIVE INQUIRY EXPEDITIOUSLY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the reporting agency and requested removal of accounts but I was denied. I stated that I am a victim of identity fraud but they still would not remove the inquiries. Here is a list of several inquiries that were not authorized by me : 1. XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.

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 2019-07-18
Company: GREAT LAKES
State: NY
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:
XX/XX/2019 I made an extra payment of {$3000.00} to a specific loan to lower the principal. Instead, the payment was applied as " paid ahead ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have been out of the Country, in XXXX since XX/XX/XXXX ; ( where I am unable to communicate with any American banks, due to the Embargo laws here ), and returned on XX/XX/XXXX. 

While I was away, TD bank excessively charged my Primary DDA account with Overdraft Fees in one of ( at that time I had 2 checking accounts with them. My Primary DDA, was by myself, and the Secondary DDA, was a Joint Account with my Grandson ). The Overdraft Fees that TD Bank charged me for repeated EFTs, were in excess of the ( {$910.00} ) ; they took the remainder of my Social Security benefit, that remained on my account. I was not able to receive any notices, written, or otherwise, to remedy the situation, and even though I DID ADVISE TD BANK AT THEIR CUSTOMER SERVICE LINE ; THAT I WOULD BE OUT OF THE COUNTRY, IN CUBA FOR THE DURATION OF 2.5 MONTHS, ( due to the fact ; that I was getting married. I specifically called them in XX/XX/XXXX, prior to my trip to place a memo on the account. ) TD Bank, not only closed my Overdrawn Checking account ( without receipt of any notice ), but they took portions of my Social Security Deposit funds that were Direct Deposited into my Account at the time ; ( which are, to the best of my knowledge, considered 'exempt funds ', by US law ). 
Not only did they take my money, ruin my credit, and over-charged me excessive Overdraft Charges, they did a " DDA Offset '', against my Grandson 's Student account, and took his University Internship earnings ( without any written notice to him, or me!!! ) When my Grandson opened his Student Account with TD bank, ( for which I was present ), he was never given any notice or disclosures that they would '' offset any DDA accounts '' against his. As a matter of fact, when I opened my DDA & Savings account, no disclosures and terms of conditions were given to me either! They just had us sign what I thought was a " Signature Card ''. Unless, TD Bank placed this disclosure in such " fine print '', as to throw off customer from even being able to read it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: NY
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The Company closed my account due to " inactivity ''. 
Permission and/or consent to close the account ; to make a report to the XXXX. 's about my consumer transaction account history was never granted by me. In turn, they are testifying false and misleading formation. I seek all damages and remedies applicable to this isssue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX 2017 i disputed a debt that has been reporting on my credit report. 
The debt collector XXXX XXXX has appeared on my credit report with a {$500.00} balance due. In return of the dispute XXXX XXXX failed to validate the debt allegedly owed and sent a bill including medical procedures which is a violation of HIPPA laws and they are damaging my credit report and i would like the debt removed

Company response to consumer: Closed with explanation