BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-23
Company: CITIBANK, N.A.
State: FL
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:
During XX/XX/2019. Bank insisted they owed me XXXX $ + for my overpayment I never claimed that I paid the bill twice I watch the app everyday. They early on believed I paid twice. They showed a credit. I reviewed my numbers and could not see that I had a credit due me. When I called I was told they would send me a check and cure the issue. XXXX XXXX I said no because I could not see that I had overpaid. Weeks later with the large credit still showing on the app I called again and was told they would send me a check. I said Send it. They did. I cashed and used the money for a trip out of the country and later saw that they had not adjusted my account so I called again and I was told that I owe the money. I said well you sent me the money and this is getting very confusing. Its me an individual consumer against the billion dollar banking company and against very sophisticated computer structures. 
I asked my self was this really an error? Is it possible by a billion dollar bank to make this error? 
I called the corporate resolution department and spoke to XXXX XXXX. He stated that I owed the money and also said at least 6 times that Citi made the error. I was on a recorded line and made him repeat the words. He maintains that I still owe the money because I received the goods and services. I maintain that throughout this ordeal I did absolutely nothing wrong. I acted in good faith with absolute honesty. They did make the error. I spoke to the corporate resolution department .He said I owe the money. He said at least 6 times that CITI made the error. 
I am also contacting XXXX because this card is the affinity card between XXXX and Citi. I was harmed by their negligence. They sent the XXXX XXXX I spent it on a vacation and now they want it back. 
I am using every avenue available to seek recourse and that includes the court system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: LEXISNEXIS
State: IL
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:
I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Colony Brands, Inc.
State: AR
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:
XXXX ONCE AGAIN HAS VIOLATED THE FCRA, FALSELY REPORTING 4 INVALID RETAIL ACCOUNTS BY COLONY BRANDS, XXXX XXXX, GINNYS, XXXX XXXX XXXX XXXX. THEY ARE REPORTING THESES IN RETAILATION FOR SUING THEM FOR ROBO CALLINGS CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions 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:
experian just changing my address to keep documents and address that are not mine please have them stop they are breaking the law using deceptive practices

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 2019-04-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I got my free annual credit report and noticed some accounts that were not mine. I sent a dispute letter to equifax via fax they received my transmission on tuesday XX/XX/2019 at XXXX XXXX ( i included the fax success transmission as proof they received my dispute letter ). I never got my results of the dispute in the 30 days or their process they are violating the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Since these items were not verified at all and they didnt complete their investigation and send me the results i ask these items be removed from my credit report immediately i will pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I received a notice from Portfolio Recover Associates who claim I owed them and the original creditor was supposedly XXXX  XXXX XXXX. The account number listed is XXXX. I have never received any communication from PRA as it may have gone to my parents address and was not forwarded properly. I would like PRA to provide me documentation pertinent to this debt and if owed would offer a settlement off of {$200.00} as I am not in an employed at the moment. I dont honestly think I owe but am destitute at moment. Please provide me any documentation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: SUNRISE CREDIT SERVICES, INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I noticed a collection account from SUNRISE CREDIT SERVICES listed with the three major credit reporting bureau ( XXXX, XXXX , & XXXX ) with an opening date of XX/XX/2020 in the amount of {$3900.00}. This company never once followed the FCRA by contacting myself to verify the legitimacy of this debit. If in fact I was given the opportunity, the listed company would have been informed I have no knowledge of conducting business with this company nor a binding agreement of any debt owed directly and/or indirectly to this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged about $ XXXX in fraudulent charges to my pnc credit card by XXXX ( shows up as XXXX XXXX XXXX ) I reported the charges to pnc and after 1 week was given temporary credit for these charges. However, about 6 weeks later, all of the charges reappeared labeled sale adjustment XXXX DE. The bank refuses to investigate further and I refuse to pay the bill, which including late charges and interest has now added over {$1500.00} to my bill. The original charges disputed were duplicates of real charges I made ( for example, I deposit {$100.00} to my XXXX account, Im credited only {$100.00}, but two charges for {$100.00} appear on my statement. 

In addition, XXXX has locked my account which has {$460.00} of my money in it, citing my credit card chargebacks as the reason. I can not use, access or withdraw the funds. Even though my bank ultimately did charge me the disputed amounts, XXXX  refuses to unlock my account ... so essentially, Ive been overcharged $ XXXX, penalized by XXXX for making the dispute, and even though XXXX ultimately received the disputed duplicate charges from PNC, they continue to withhold my {$460.00} .... Ive now been robbed of $ XXXX ( the duplicate charges PNC wont credit to my account ) AND robbed of {$460.00} more by XXXX  by the freezing of my account as payback for disputing the duplicate charges. Neither pnc nor XXXX will do anything further to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: HI
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:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. ( Please see pages 60 and 61 attached. ) This account needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
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:
There are numerous accounts listed on my credit report that I have NO knowledge of. This was a result of malpractice or an error.

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 2019-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I purchased a ticket for the event, XXXX XXXX XXXX XXXX, for {$300.00} under the organization XXXX using my Bank of America debit card. Later that year on XX/XX/XXXX I closed my Bank of America account. However, the event ( scheduled for XX/XX/XXXX ) that I bought tickets for changed their location and dates late notice and thus began issuing refunds. On XX/XX/XXXX I ordered a refund for my ticket. However after 1.5 weeks of waiting, I realized the refund I had asked for was sent to my closed Bank of America account. 
I filed a dispute with Bank of America mid-XX/XX/XXXX to determine if I could get my refund of {$300.00} that was sent to my closed account however it was denied because they state that after 3 months of closing the account the account is completely dissolved and any refunds being sent to the closed account after more than 3 months would automatically bounce back to the merchant. 
In an email sent to me on XX/XX/XXXX XXXX claims to have sent my refund successfully to Bank of America and claims my refund was not sent back despite it being sent to a closed bank account. In order to help me more, XXXX insists I supply them with documentation from Bank of America that the refund bounced back, however Bank of America states they have no documentation that they can show of the bouncing back of the refund because my account was closed for more than 3 months. 
After dealing with both Bank of America and XXXX, neither show they can locate where my refund is exactly and I have yet to receive it.

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 monetary relief
Consumer complaint received 2018-07-03
Company: Clarity Services
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have received my XXXX XXXX report and see that Clarity Services has pulled my report multiple time without my consent, I have never applied for any of these companies. 
1. XXXX XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: 21ST MORTGAGE CORP.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been affected by COVID19 21st mortgage will not waive late fees or deferr payments. 

They are invasive, abusive, rude and judgemental. Its impossible to even speak with them because they ask questions outside the realm of COVID19 This is under the Estate of XXXX XXXX XXXX not my personal mortgage. 

I paid XXXX and XXXX payments when I received my retroactive unemployment my job is affected and I have other bills to pay. Under the CARES Act they are supposed to defer for the estate and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I retrurned an item and the credit was refunded in the amount of XXXX. After the refund th bank didnt automatically send me a check, I had to call and ask them to refund my money. When I called ( XX/XX/2019 ), I was told that itll take 21 days to receive this money electronically transferred to my account. I find this excessive and the company basically has my money for no reason. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Ocwen Financial Corporation
State: VA
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've contacted Ocwen Loan servicing regarding incorrect information in in XXXX, XXXX, XXXX, XXXX, XXXX, many times in XXXX, XXXX, and more recently on XX/XX/XXXX. I've sent receipts detailing the mortgage pay-off ( {$180000.00} ) and yet they are still reporting that I owe money in the sum of {$3300.00}. This is inaccurate and I have also provided the receipt to XXXX along with other legal artifacts demonstrating exceedingly beyond a reasonable doubt that the debt has be satisfactorily met and that any reports depicting the contrary are fraudulent claims. 
My concerns have been elevated to the highest level of government in the state yet these issues persist. These are deliberate attempts damage my credit worthiness and are illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: WELLS FARGO & COMPANY
State: GA
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:
In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account, I know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to me and I have never done business with 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 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX is reporting an inaccurate listing of Chapter XXXX Bankruptcy my consumer credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: FEARON FINANCIAL LLC
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX is marketing for Keller  Mortgage in a non compliant and deceptive manner. I have attached and ad found on Facebook. This is from a XXXX XXXX agent and is marketing Keller Mortgage without stating who is co-marketing ( Agent is paying 100 % of the marketing to generate the leads for mortgage ). Savings are being offered but not disclosed where those come from and who is providing them. The ad fails to mention there are ZERO savings if you don't use a XXXX XXXX XXXX and still use Keller Mortgage. The ad fails to disclose there are ZERO savings if the mortgage is under {$150000.00} ( Disparate Impact ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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 called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and hoping that this XXXX XXXXXXXX Late payment will be removed and corrected. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 an incorrect coding of the XXXX XXXX partial account number XXXX. ( Please see pages 60 and 61 attached. ) This account needs to be coded as an M1. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. 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 2017-11-29
Company: Experian Information Solutions Inc.
State: IL
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: Problem getting your free annual credit report

Complaint:
I went to XXXX and proceeded to retrieve my free annual credit reports from XXXX XXXX, and Experian. I was able to retrieve the first two from XX/XX/XXXXand XXXX, but Experian kept saying " We are unable to give you a credit report '' or words to that effect. 

I tried again, this time selecting only Experian - same result. 

I went to Experian.com and tried from there - same result. 

There is no valid information at Experian 's website, no helpful phone number, no phone number answered by a person. No help what-so-ever. 

So Experian is now in violation of the Fair Credit Reporting Act by refusing to supply me with my free annual credit report. And they arrogantly refuse to 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 non-monetary relief
Consumer complaint received 2017-11-28
Company: SYNCHRONY FINANCIAL
State: WA
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:
Received letters from XXXX attempting to collect on Statute Debts. 9 years old or so. Claim offering reduced amount. These debts are statute and are not on my credit report. 

Furthermore, another debt was already disputed with credit reporting agencies and correctly and appropriately cleared from my credit file. 

XX/XX/XXXX XXXX XXXX XXXX Charged off and removed from credit file XX/XX/XXXX XXXX XXXX XXXX XXXX ( Statute account ) XX/XX/XXXX GE Money Bank ( Statute Account ) Letter received is dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2021-09-10
Company: BAM Management US Holdings Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
( 1 ) On XX/XX/2021, I had transferred {$3600.00} into my Binance.US account from a Binance.Com account. Binance.Com showed that the transaction was successful on its end but Binance.US showed it as a failed transaction and has refused to credit my account. Binance.Com has indicated that the currency is now with Binance.US. 

I have attached a screenshot from Binance.com that shows that the transaction was successful on their end and also the receipt from Binance.US that says the transaction failed. 

I immediately reported this to the company and all I have gotten all day is bot response. 

( 2 ) I also attempted to withdraw funds in my account about {$2900.00} and I was not allowed to as my withdrawal rights had been suspended. No explanation has been provided.

Company response to consumer: Closed with explanation