BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: VA
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: Didn't receive services that were advertised

Complaint:
As part of the Equifax hack, there is a website to check if your information was compromised, and if it was, you can sign up for 1-year of free credit monitoring. I signed myself up, but I 'm unable to sign my son up online because he is under 18 ( he is XXXX, but has had a job, bank account and has paid taxes since he was XXXX ). 
I called Equifax ( 3 different numbers, I kept getting passed around ). They will sell me a " family plan '', but wo n't sign my son up for their monitoring services for a minor for free. 
They were n't able to explain to me why they sell a family plan, but are n't willing to provide the same service for free as part of the hack response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a Mastercard gift card from my employer in the amount of {$200.00} in XX/XX/2018. I tried to use the card at a hotel to pay for part of my stay and it did not process. Upon returning home I tried to register the card online and found out someone had used the card ( nobody I know ) and this was fraudulent as the packaging was not tampered with or open when I received the card. On XX/XX/18 was the date I tried to use the card. Whomever stole the card and compromised it used it in XX/XX/2018 for a purchase of {$170.00}. I have contacted the customer service line to have them issue me a new card for {$200.00} and have submitted them the details I have, along with a copy of my drivers license and address to mail the new card. I have contacted them two times now with no resolution of when the new card will be mailed to my home. I have provided all the information I have to the Mastercard gift card company, along with to US Bank. I was informed that US Bank is who the card is issued from.

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 2020-08-24
Company: CITIBANK, N.A.
State: RI
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 bought my son a computer for his XXXX from Best Buy, the salesperson promised me that if I bought that certain computer that it would play my sons one and only game that he plays on a laptop, XXXX and that it would download fast, the graphics would be great and there wouldnt be any lag. This laptop does not even have enough room to even download the game. I took my son to Best Buy to return the computer and they said to speak to the Geek Squad which I did and they assured me once they did a master reset that it would work great! My XXXX year old son was so excited. We went home after they did the master reset, it still didnt have enough memory to load the game. I go to the store the next day and they tell me I am a day late from returning it and it is no longer returnable. So the day I was there, it could be returned but The Geek Squad assures my son and I they it would work, we left there at XXXX and they were closing so they wouldnt download the Fortnite site for me and told me to do it when I got home. I called but they were closed, I went in the next morning and they said I could no longer return it or get a merchandise credit! This laptop sits in a drawer and no one uses it or wants to use it because it is a horrible expensive computer and I had to buy him another laptop. I told them I will not be paying for it as I was assured by their own people that it would work instead of returning and them telling my son its one of the nicest laptops and his games will work perfectly! So we believed them, we however did not know that It was the last day that we could return it, so even though I just wanted to return it, they said give it another day and Im sure everything will work great. The next morning I went in to return it and it was 1 day too late to return it! They can have their computer back and I want my card refunded and this off of my credit report please. 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 explanation
Consumer complaint received 2018-12-06
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I had a mortgage with Cardinal Financial Company. My mortgage at this time was escrowed for both taxes and insurance. In XX/XX/XXXX I refinanced my existing mortgage through Cardinal Financial Company for a loan that did not have escrow. During my loan process the month prior my payoff was ordered. In that same month my Insurance was due to be disbursed from my escrow account. My Insurance was not paid out as it should have been as the policy renewal date was XX/XX/XXXX. I was not made aware at the time of closing or even prior that my insurance was not paid out of my escrow in XXXX and that my renewal for XX/XX/XXXX needed to be paid by me for the XX/XX/XXXX-XX/XX/XXXX policy. This in turn caused by policy to lapse for 12mo causing me to have to purchase a worse case policy ( $ XXXX/Yr ) vs. the premium policy ( $ XXXX/Yr ) that I had. 
I reached out to Cardinal Financial Company in mid-XX/XX/XXXX once I found out my policy cancelled due to non-payment despite my account being escrowed. Initially I was told by the Insurance Department of Cardinal Financial that they did not get an invoice ( my further research found that was false as the insurance premium amount had been updated in their system to show the invoice amount for the renewal policy ). I was told that since I refinanced I should have paid it when my escrow was returned to me ( Issue with this : My insurance was due XX/XX/XXXX and I did not close on my refinance until XX/XX/XXXX - the insurance should have already been disbursed and paid by escrow ) ; I was also told when my payoff was ordered they netted my escrow from the payoff amount so all escrow payouts were froze ( I did not request this ) ; I received a letter in the mail this past week referencing my new loan and was told that their records show my insurance was good through XX/XX/XXXX and I needed to reach out to my new servicer ( False : They admitted in a conversation I had with them that they received a Notice to Cancel the day before I closed on my refinance ( XX/XX/XXXX ) - They still never said anything ) ; The last conversation I had with them they said that once a payoff is ordered they stop all escrow disbursements for 45/days and I was notified of this however could not tell me when or how I was notified ( I reviewed all of my closing docs that I signed and never signed anything about this. The only notice that was provided at close was my settlement statement that indicated I needed to cover my property expense going forward which I was aware of as I no longer escrowed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX with Evergreen Professionals called one of the XXXX offices about me to collect a debt.

1. I am not allowed to take calls at work as that is a misuse of state resources- I've shared this with him before yet he fails to comply 2. The deparrment he called I no longer work at. He made the lady who took the call very uncomfortable with there conversation 3. He announced he was attempting to collect a debt 4. He called my personal phone and left a message that he is collecting a debt- I don't have my name listed on the voicemail. That message could have been left for anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paypal allowed fraud on my account, allowing a person to not only enter my account, but to change the email address and to lock me out of the account. 

The same actions happened on Paypal sister company, Venmo A bank transfer was then processed, withdrawing {$740.00} from my checking account, despite my alerting Paypal of the fraudulent use of my account. 

Notifying Paypal was difficult, as all communication requires logging into an account that Paypal allowed me to be locked out of. 

Emails have gone unanswered My email address was NEVER compromised and I never clicked on a link to enable the fraud. Paypal and Venmo both allowed someone to change my account login simply using a phone number - no passwords or security questions were ever required to stop the fraud. Paypal keeps trying to say this fraud was my fault and refuses to acknowledge that with only a phone number, an account can be fraudulently accessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-31
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2020. {$2400.00} Something but the Principal amount is only {$1500.00}. I already made a payment of {$1000.00}. I want to make a settlement and lower the amount balance and I want to pay it off soon without any additional charges. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I attempted to purchase sports tickets through XXXX  on XXXX2018 in the amount of {$110.00} and never received the tickets. I sent the money through XXXX   ( which I thought was backed by Wells Fargo ) and when I contacted the seller by phone it was shut off and I never received the tickets. I immediately contacted Wells Fargo and they stated there was nothing they could do, because they do not own 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 2018-12-06
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX I reported to XXXX XXXX and Equifax the fact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into litigation due to their fraudulant breach stealing of my money. 

I uploaded the court documents to substantiate the judges comments and the fact that the case was open and at this time the creditor should cease reporting derogatory information XXXX, reported the account as of XX/XX/XXXX as a charge off after I commenced the law suit, I advised all three agencies that they are not reporting correctly. Despite documents which included civil suit documents they reached out to the creditor. they not only did remove the derogatory but they updated the charge off date to XX/XX/XXXX XXXX dispute was entered on XX/XX/XXXX and they spent 60 days before updating my credit report via my dispute that i mailed them certified. The credit company and the creditor can not change the terms as it is suits them to continue to update their information to make it stay longer in derogatory status. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: GABA LAW CORPORATION
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the XXXX my husband contacted XXXX XXXX collections in regards to an account that appears on our credit report. The company referred him to their legal department ( Gaba Law ) stating they are only the ones that control this account.My husband spent two days attempting to contact Gaba Law. He was eventually able to get a hold of someone via email. The company refused to settled and stated that the judgment amount was XXXX as of XX/XX/21. We do not have a Judgment on us at this time or any previous time. The wording used in the email defining this as a judgment was misrepresentation. I contacted the company on XX/XX/21 offering a settlement via email. They again refused to settle out .I requested validation of the debt. In return I received a copy of a lease and a letter stating the account and that as of XX/XX/21 the debt is XXXX. The company misrepresented the amount owed and the fact that there was a judgment against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All three credit bureaus continue to report inaccurate information, which a dispute letter has been sent certified receipt return. They continue to violate 15 USC 1681a ( 4 ) Consumer Right to Privacy, FDCPA 807 misleading False reporting. I have sent numerous of letters requesting method of validation and they continue to obscure the validation notice.

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 2020-01-31
Company: Garrison Investment Group
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
In XXXX, we needed financing for our roof. The roofing company quoted us XXXX dollars and began the credit check/application. During the roofing project damage was discovered on a skylight. The roofing company needed to update their quoted price and ended up deciding XXXX dollars was fair. We agreed and began the paperwork, finished the roofing job, and we recieved our loan paperwork in the mail. ONLY the {$16000.00} loan was disbursed and that money was paid directly to the roofing company. 

When I logged into foundation finance 's website shortly after in XXXX, it listed both the the quotes as loans we owed money on as two separate loans payments were owed for. I called the company, they said the issue would be resolved and absolutely nothing happened. 

I called again XX/XX/XXXX, and was told the same information, it would get fixed but it would have to wait until Monday. I only received one loan of XXXX I did not receive the XXXX loan, but they are trying to collect on it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Innovis
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have unknown or fraudulent addresses, appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX , PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This 2nd tempt to remove the items and requesting a freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: EQUIFAX, INC.
State: TN
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:
Hello, I believe that my XXXX XXXX, XXXX XXXX 's information is being reported on my account. My Social ends in XXXX while HIS social ends in XXXX. I have tried to dispute all the below with the companies but with no prevail or call back. 

Starting with the inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX- Did not apply for an autoloan at that time. 
XXXX XXXX XX/XX/XXXX- Same day as before, did not apply for autoloan XXXX XXXX XXXX XXXX= XX/XX/XXXX Did not apply for autoloan XXXX - Did not apply for auto loan XXXX XX/XX/XXXX XXXX Already have services ( est XXXX ), did not apply XXXX XXXX- XX/XX/XXXX Did not apply for auto loan XXXX XX/XX/XXXX- Did not apply for autoloan XXXX XXXX XXXX XXXX XX/XX/XXXX- did not apply for auto loan XXXX- XX/XX/XXXX- Did not apply for auto loan All these are showing on all 3 of my reports. I have had issues in the past with my XXXX XXXX items winding up on my report. All these are do NOT belong to me and I am unsure if they belong to him. I have fozen my credit as I believe there might be fraud involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A system error that Citibank had created for my accounts, please see my commentary below :.

A. Citibank sent me my end of the year Accounts Statement, said Bank Statement disclosed my various accounts, the accumulated or aggregated interest for the year, and said accumulated or aggregated interest amounts were incorrect, and I relied upon them for other purposes, which made me incorrect for those purposes.

B. Citibank also provided the 1099-INT form, and in that Statement they declared figures completely different from that which the end of the year statement did, by as much as {$430.00}.

Basically what it comes down to is that Citibank decided not to reflect the aggregate interest for all of my accounts on my Bank Statement, and then simply decided to recall those figures within the 1099-INT form, which in turn really damaged my reporting that outward to other entities inquiring. As such, I personally believe that every Bank Statement from Citibank should always be accurate to the very last line, otherwise what is a Banking Institution that you are entrusting your financial information and assets designed for? 

When I contacted Citibank Corporate and spoke to a management authority at a U.S. Citibank Corporate facility, said management authority stated the following : 1. XXXX XXXX, you should not have relied upon your bank statement! 
2. Mr. XXXX, the fact that your Bank Statement differs from the 1099-INT sometimes happens! 

All to say, the testimony above is simply unacceptable, especially since the individual at Citibank Corporate was subjective and arrogant about their assertions, and they ( the bank ) have done things like this on two separate occasions within the last several years.

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 2021-10-08
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 ; XXXX  and Transunion are reporting an incorrect charge-off on the XXXX partial account number XXXX, in the amount of {$10000.00}. ( Please see pages 9 and 10 of the attached credit report. ) This account was in my deceased husbands name. I was not a co-signer on the loan. After my husbands passing, I never received any bills/notices or letters regarding this outstanding debt. There was no Estate to inherit and no Estate to cover any outstanding debts. This incorrect reporting on my credit report is harming my credit score.

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