BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am another victim of the theft of crypto assets from an IRA account maintained on Geminis XXXX exchange. On XX/XX/XXXX a bad actor was allowed to steal from my retirement account the amount of XXXX ( ~ {$42000.00} at the time event ). 
A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Payoff process

Complaint:
In XXXX, I got an XXXX XXXX, COSTCO branded credit card that I used extensively and with no problems, no late payments, always paid my balance in full each month. COSTCO transferred that card to Citi in the spring of XXXX and my XXXX card was cancelled and I received a Citi VISA card. This was quite an annoyance since I had over a dozen automatic accounts on the Internet and elsewhere that referenced my now-defunct XXXX credit card. Later that XXXX, a merchant issued a credit for over {$4000.00} to my defunct XXXX card that was sent to Citi, I decided to use that Citi card extensively to " spend '' that large credit. Then on XXXX XXXX, I paid the balance on my Citi card, completely with a {$250.00} payment using an ACH withdrawal and auto payment from my XXXX XXXX bank account. My intent was to use another XXXX XXXX credit card account and terminate the Citi card. In error, on XXXX XXXX I sent an ACH payment of {$2500.00} to my old, now defunct XXXX account instead on my new XXXX account and that was automatically routed to Citi! I discovered this error a few days later when I received an email from XXXX noting a missed payment and assessing my with interest and late fee penalties.I immediately called Citi and XXXX to notify them of the error- I asked that my Citi overpayment be refunded and sent another check for {$2500.00} to XXXX. 
A few days later, another merchant applied a credit of over {$5000.00} to my defunct XXXX account- and it to was transferred to the Citi account creating a credit of over {$7800.00}. I called Citi again on XXXX XXXX requesting that I be issued a check or a direct deposit for that balance and I was told that it would be done- in 3-5 days over a recorded line. 
On XXXX XXXX, I called again and made quite a fuss to a sequence of Citi employees over a recorded line. In essence, I was told that the " 3-5 '' days was the time to issue a check AFTER an investigation was completed and that there was no timeframe for that- it could be YEARS! I even had my bank on o conference call where they confirmed that the {$2500.00} was in fact paid on XXXX XXXX to a Citi supervisor. I asked them to issue a check, and call me when the matter was resolved. As of this moment, I have heard nothing.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my 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 non-monetary relief
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights as a consumer. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602A states I have the right to privacy as a consumer.

15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: EQUIFAX, INC.
State: OK
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 sent a dispute certified mail dated     XXXX   XXXX  , 2017  r egarding erroneous reporting on my Equifax Credit Report ; with a Creditor. I referenced the account number listed on the Equifax Report for an "  Unverified  Account. '' I had    XXXX     accounts total reporting from this  Creditor and three  of those were an asset to my credit report, and were validated as mine. Equifax erroneously removed ALL four causing a very detrimental affect to my credit score and reporting. Removing   XXXX   good standing accounts, shortening my length of open credit and good pay history ; this was a poor decision of Equifax . One of the three  accounts is one that I am still paying on faithfully without  one  missed or late payment for the past seven years. " Deleted ''. The other two were paid in full account with no late or missed payments. " Deleted. '' Only one which was negative did I dispute and it was removed.     When I got the update in the mail, dated,     XXXX   XXXX  , 2017    , I immediately contacted Equifax for correction. When calling I received a very rude and insensitive representative that continued to tell me that I disputed the accounts and when referencing the dispute letter I sent she said, well you need to contact the Creditor ; after not being able to justify the error.     The  Creditor  is saying we need copies of the report and we may not be able to assist you with the paid off closed accounts, but the open one that your still paying on we can research. This is time consuming, and unfair. This seems intentional and no one is willing to help as I am in the middle of credit crisis and financial investments  may  fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: WI
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:
Certified mail was sent in XX/XX/2022 to all three credit bureaus disputing inaccuracies and incomplete information on my credit profile. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) if the FCRA- all information that is inaccurate, incomplete, unverified should he promptly deleted. These changes have not been reflected on my credit profile.

It is also my understanding that Under the FCRA 15 U.S.C 1681- every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect and or unverified of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completed deleted.

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 2022-03-28
Company: PNC Bank N.A.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My XXXX had accounts with PNC Bank. She passed away last XXXX. Once the bank was advised she passed, they started withholding interest on her account. I disbursed the funds from her account to the heirs and then tried to get the withheld interest. I called them on XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first 3 times they said they were going to send me a form to complete to get the interest. Never did they send me the form. Today when I called, I verified my address ( which they have in the system because I've been on the account before she died ) and they asked me what form was I supposed to get. I said I didn't know and got hung up on. I also noticed today that they put a {$15.00} charge on the account and couldn't explain why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I've lost my income due to coronavirus pandemic and have been calling all of my creditors to try and work something out as well as let them know my circumstances. Every one of  the creditors has had some help to offer so I can avoid affecting my credit score, but One.  Home Depot credit card customer service insisted I make my minimum payment and told me they had nothing set up for Covid-19 loss income relief. I currently have {$510.00} in my bank account with no way of knowing how I will make any money in the near future. Every single creditor should be willing to work with all customers in my situation. Shelter-in-place forced me not to work. What am I suppose to do?

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 repeatedly sent in disputes about inaccuracies on my consumer reports. Those accounts are not accurate and the inquires are not mine and i have sent in an identity theft report also. I have ask for proof to support why they haven't removed or changed these accounts, and i never get any proof. I Also sent them a letter on XXXX XX/XX/2022 and still haven't got any results back yet. which an investigation should take 30days to complete. This is very stressful, and I'm also contacting the CFPB ombudsman for i feel no accountability is being taken.

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 2022-08-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: CITIBANK, N.A.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX, my husband and I relocated to XXXX, XXXX. At that time we had our personal residence in XXXX XXXX, XXXX which needed to be sold. Previously it was rented several times and the renters ' moved out, causing a hardship of paying the mortgage. In XXXX, XXXX XXXX listed our property, XXXX XXXX XXXX, for {$190000.00}. It did not sell so we contacted Citi Mortgage for consideration of a short sale. To be approved for Short Sale we had to show a hardship of not being able to pay the mortgage. The Citi Mortgage representative, XXXX XXXX, obtained the BPO ( Brokers Price Opinion ) for {$140000.00}. The property went into pre-foreclosure at XXXX County Clerk of Courts and sold on XXXX XXXX, XXXX. During the ten day redemption period, the listing agent sent XXXX offers to the Citi Mortgage Representative, XXXX XXXX, a short sale representative. The offers were for {$110000.00} and {$110000.00}, the latter offer being increased to {$120000.00}. During this time Citi Mortgage gave me the impression they wanted to assist me in keeping my house out of foreclosure, but Citi Mortgage did not accept either offer! This dialogue is documented through emails, which will be sent in attachments available on a word document. 
I contacted Citi Mortgage regarding the above mention property and was informed the property sold on XXXX/XXXX/XXXX for the price of XXXX and the account was closed on XXXX/XXXX/XXXX. 
The National Mortgage Settlement and Independent Foreclosure Review included this property in a complaint against Citi Mortgage for their erroneous errors and mismanagement against consumers regarding various mortgage issues. On XXXX/XXXX/XXXX, I received {$1400.00} from National Mortgage Settlement, and on XXXX/XXXX/XXXX {$500.00} from Independent Foreclosure Review. These amounts do not represent the hardship I have incurred which has caused damage resulting in me having no credit worthiness. 
The reason for my complaint is that I desire to be fully compensated for damages to my financial portfolio. These acts by the mortgage company have prevented me from obtaining mortgages, low interest rates for credit cards and various loans. This hardship has denied financial possibilities to aid in obtaining credit stability to purchase a home. 
Thank you in advance for reviewing my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXX - my phone service suddenly came to a stop, preventing me from making any phone calls or using cellular data, which I found strange. Later I found out that someone or a group of people used a sim-swap to obtain my phone access and personal information. 

XX/XX/XXXX - I found out that I had lost access to both my bank account and coinbase account. I contacted coinbase through chat, phone etc whatever I could in order to prevent any feature damage. 

XX/XX/XXXX - When I got notified of an unauthorized coinbase transfer in the morning of the XXXX, I quickly took action so that the withdrawl could not be processed, and received a confirmation email that it was canceled ( I will include a screenshot of the confirmation email as well ). And after I made the new account, this same amount that I prevented from leaving my account was all that was transferred back to me. All of the remaining amount I had never received any emails or notifications of it being stolen ( Around XXXX USD at the time of event ). I believe that coinbase has the responsibility to return those funds to me. 

XX/XX/XXXX ~ XX/XX/XXXX - I did everything I could do to strengthen the security to personal information and financial information. Continued to attempt to contact coinbase for transaction history which took them days to respond. 

XX/XX/XXXX - Since the first request on XX/XX/XXXX of XXXX, it took about a month for coinbase to finally provide my account 's transation history which I used to file police report and currently escalated to a fraud detectives ' case and under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was approached by XXXX at Home Depot, Store # XXXX, XXXX XXXX XXXX, NY XXXX, to open a credit card account. Heopened an account and told me no interest for 6 monthson purchaes for {$290.00}. So I bought a small refigerator formore than {$290.00} on XX/XX/XXXX. I made min. payments on time. But in XX/XX/XXXX theybut they added interest from XX/XX/XXXX, despite what XXXX, their employee, told clearly that interest would accrue aftersix months. So this is totally wrong and has to be correctd by Home Depot.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I had received several cash advances from my credit card company - Citibank. For each {$5000.00} cash advance withdrawal, I was charged ~ {$350.00} from the cash advance company for the transaction, plus ~ {$280.00} from my credit card company Citibank for transaction fee, plus ~ {$70.00} interest from my credit card company as well, even though my account had a negative balance where I overpaid my account. This came to a grand total of ~XXXX %. This is way excessive, given the amount of money, for each instance ( XXXX ). When I asked my credit card company Citibank for a refund of my fees, they said that I could not negotiate a better rate till after being a customer for 6 months. When I told them that my account had a negative balance where they owed me money, they said, interest is charged on the amount, regardless if my account is negative. This is starting to sound like a new XXXX XXXX Scam.

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 2015-04-23
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a XXXX year old student and a victim of a scam. Responding to myposting in XXXX a XXXX company relocating to XXXX contact-ed me with an XXXX position All communications tookplace by email and XXXX of them notified me that I was going to receivea cashiers check with which to open a checking account on my namewith {$4700.00}, and after leaving {$200.00} in the account for office suppliesI had to deposit the rest in a specific account at the XXXX XXXX XXXX XXXX 
I emailed the company photos of all transactions and was waiting tomeet my future boss on XXXX XXXX. The next call to the company wasin vain. They had vanished. On my mother 's advice I contacted theCitibank branch manager and the local police in order to protect myselfand others. I was shocked to learn that this was an old scam and thatI would face civil charges if not criminal ones.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation