BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: Receivables Performance Management, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECEIVABLES PERFORMANCE MANAGEMENT , LLC states that Received a valid payment of {$100.00} on XX/XX/XXXX. A second payment made on XX/XX/XXXX of {$100.00} was returned for insufficient funds. 

THAT'S BECAUSE XXXX CHARGED ME 2ND TIME SAME AMMOUNT AFTER CHANGING MY PLAN WITHOUT TELLING ME. REGARDLESS I HAVE PAID REDICULOUS BILL ONCE AND ASKED TO CLOSE MY ACCOUNT! THATS FOR ONE. 

SECOND : " RPM contacted XXXX who advised that the device non-return fee applied for Serial No. : XXXX, however the device with serial number XXXX was returned and charge for it was adjusted on XX/XX/XXXX '' WHAT KIND OF DEVICE IS THIS Serial No. : XXXX??? AND WHEN XXXX SENT IT ME? I HAVE NEVER RECEIVED 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 explanation
Consumer complaint received 2021-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've been a customer of XXXX XXXX XXXX cards for over two years .I work as a XXXX and I'm a XXXX XXXX and I usually don't have time to check my credit due to my busy schedule. I finally looked into my credit report since I'm refinancing. it came to my attention that XXXX XXXX is reporting incorrect information on my credit file. due to the 30 days late I am being offered a higher interest rate on a mortgage loan but over the years it will cost a lot more. I don't recall paying late. My credit card has a XXXX  balance and I always pay my bills on time. The late is being reported on my file. I have been paying on time. I opened this account to better my credit and not destroy my life.

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 2015-05-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi. I sent you a letter dated XXXX XXXX, 2015 with regard to Wells, Fargo Home Mortgage and all the documentation that is totally conflicting. I sent them documentation to do a loan modification on XXXX XXXX via XXXX. I received a letter from their attorneys, XXXX, XXXX XXXX XXXX dated XXXX XXXX, 2015 that a sheriff sale has been postponed until XXXX/XXXX/2015 ( I was advised by Wells, Fargo that all foreclosure proceedings were stopped so there should not be a sheriff sale at all ). 
In addition, I just received a letter today from XXXX XXXX ( XXXX x XXXX ) that a review of my loan has been pending for a long period of time and she has not received all the required documentation from me so they are unable to offer assistance! I sent them all the documentation just a couple of weeks ago. 
There is no mention of what they still need either! What is going on? 
Something has to be done about this. This is consumer fraud. 
Please help me. I have been thrown around this bank for weeks with no answers and am still under a sheriff sale that hurts my credibility in the business world. 
They should have taken us completely out of the sheriff sale as they told me they would do. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: American Coradius International LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a letter from American Coradius International stating that I owed XXXX  {$190.00}. I tried contacting them three times and was never able to get a phone call through nor an email response. I then got a second letter that showed the debt. The two emails associated with the debt are not mine nor emails I recognize whatsoever. I contacted XXXX support and they were able to confirm that none of my accounts owed any money. Looking around on the internet I found that many other XXXX users are getting the same fraudulent letters from the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Praxell, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have a prepaid debit card called Mango with a total of about {$6300.00}. All account information has been deleted so I can't give exact figures. In early XXXX I requested the account be closed and a check be sent and was told it would take a few weeks.As of XXXX I still don't have a check.They say things like we can't write checks right now, the check is on it's way or wait a few more weeks.

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 2015-08-26
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hey, I have a XXXX Loan and they switched over to Navient. They are over charging my loan and my principal is not going down. They keep on collecting interest on my loans and also have been paying interest when I was in school so that my loans does n't exceed the amount after i graduate. After looking into it I realized that my original balance was XXXX and now its XXXX and I have been paying interest on this since I got the loan and it same thing for my other loans. I have been going back and forth with them but never got any resolution from them. I have been quietly paying the student loan every month of XXXX. The never every communicate on any changes or changes that I made which need results from Navient so I can move forward. For Example, I had apply for automatic payment but never heard from them that I was approved. I had to call them and confirm that I approved or I would have double payed them. I also recommend a lot people not to get XXXX or navient because they are very very unfair to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: PA
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:
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 2020-03-27
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$1700.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXXXXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: U.S. BANCORP
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:
In XXXX of 2020 I inquired about the forbearance plan offered at US Bank for home mortgage clients. I am a small business owner and was concerned about the pandemic affecting my income. I was reassured multiple times that their forbearance agreement would NOT affect my XXXX XXXX. I was told multiple times by US Bank representatives to " ignore '' the frequent letters mailed threatening foreclosure. They said they were automatic and not to worry. I worried. I expressed to the US Bank representatives that I started paying my mortgage prior to the 6 months. I started paying in XXXX of 2020 and have continuously made full payment. After attempting to refinance my home, it was revealed that I was still in forbearance and not made payments in months. Every statement I received in the mail showed a growing past due balance. I made multiple attempts to contact the XXXX XXXX and other US Bank representatives. They told me not to worry and that my payments were not being applied, because of the forbearance plan but they would be applied as soon as it was complete in XXXX. It was not completed, and I was told I had to show consistent payments for 3 months. I had been showing payments since XXXX of 2020. I called again and again ... the US Bank representatives told me not to worry, it would all be over in XXXX. They started applying my payments and showed my account to be current ... but ... .there is a " major derogatory '' care of US Bank on my credit, and my XXXX XXXX dropped as a result. I have reached out to the credit agencies, US Bank, the CFPB and yet ... and yet YOU ALL ARE FAILING AT FIXING THE PROBLEM. This has created so much stress and anxiety in my life. Not one of these agencies will acknowledge the problem and FIX IT!!!! You are supposed to protect consumers, and you are failing. The response I have gotten from these agencies and the Bank is absurd. I don't know what else to do except hire and attorney to make this right. I have been more than patient. FIX THE PROBLEM. I will now be contacting the news organizations and let them know that ALL OF YOU are failing at protecting consumers.

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 2022-04-12
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the following accounts and inquires. I did not owe this debt and it does not belong to me. I never established these. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please also remove these inquires and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
My Name is XXXX XXXX, I work for the XXXX XXXX XXXX XXXX. I was traveling to XXXX from my XXXX in XXXX and tried to use my credit card three times on date XX/XX/2021. The bank closed the account stating that they thought it was fraud, after I paid them XXXX on my credit card. I can totally understand this, but I was talking to the customer service representative and they stated to keep on trying to use the card while I was on the phone with them. Every time the card got declined she said I can see what is happening on her end, she proceeded to reactivate the card and try again. Finally they wanted my live Passport Photo, SSN card photo, Driver license photo and a bill/payment that was in my name. I provide all of relevant documentation to them and they still closed my credit credit, it was the fault of the customer service representative telling me to try over and over when she was trying to see why my account was being flagged as fraud. I got stuck in XXXX because that was the only card I had at the time on me. My balance with the card was in great standing with credit card XXXX balance. Please assist, now my credit went down as well due to the XXXX credit credit being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2016 I attempted to use my Citibank ATM Card to withdraw money when traveling in XXXX. I tried it twice at XXXX ATMs close to each other, once for {$8000.00} XXXX and then once for {$6000.00} XXXX. Neither time was money disbursed. I then went back to my hotel and got a different card from XXXX XXXX. I attempted to withdraw money again on XXXX XXXX, 2016 at another ATM with my XXXX XXXX card and funds were disbursed. I complained to Citibank and logged a dispute. Citibank gave funds back for both ATM issues that transpired on XXXX, XXXX, 2016, on XXXX XXXX, 2016. On XXXX XXXX, 2016 Citibank charged back the {$6000.00} XXXX dispute credit ( {$340.00} USD ). I called and complained and again Citibank gave back the funds. On XXXX XXXX, 2016 Citibank again charged back the {$340.00} USD.

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 2021-06-17
Company: CB1, Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
OnXX/XX/XXXX Mr. XXXX XXXX XXXX noticed that his XX/XX/XXXX Credit Report contained fraudulent information from the Credit card section of the report. This illegal illegal activity occurred without Mr. XXXX giving his permission or authorization and allowed me to contact Law Enforcement ( FBI and Secret Service ) in the XXXX XXXX, Texas jurisdiction that is the physical address of XXXX XXXX XXXX XX/XX/XXXX. 
The company ( XXXX ) is not cooperating with the police investigation and recently was notified that the Consumer Financial Protection Agency was also involved with Law Enforcement on multiple accounts opened in my name and I require a written response from the President and CEOi about what the immediate action to stop this harassment by criminals that do not care about my 30 year membership and exceptional credit rating that is being destroyed without my permission. 
I want answers to this distasteful message from XXXX and investigation with Impunity that will give much needed closure and Cash Settlement!

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 2021-06-17
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: Was not notified of investigation status or results

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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX/XXXX XXXX XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank decided on their own not to send me more paper statements apparently because they received a returned letter from USPS. I have not moved in more than 5 years, so I dont know why that happend. Problem is Citibank didnt notify me by email, or phone, so there was no way for me to know that. In the meantime, I was being bled with abusive fees that I was not aware for almost a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: TX
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-05-06
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was settled and paid in full to a different firm. XXXX XXXX XXXX XXXX is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within XXXX days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: CITIBANK, N.A.
State: PA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
As a reward from XXXX, I got a prepaid Visa card through CitiBank. I received the card from Citi about XXXX XXXX, 2015 and did not use the card until XXXX XXXX, 2015. I used this card a couple more times in XX/XX/XXXX, then put it away for future use. When I went to use it again last week ( XXXX XXXX, 2015 ), I called to get my balance and was told by Citi that my card had a balance of {$27.00}, but my card had expired at the XX/XX/2015 and that here was nothing that could be done to get my balance of {$2.00} I know that it is only {$27.00}, but I think it is highly unfair of Citi to have such a quick expiration date for their card ( XXXX months to use the card ). Most cards give you at least a year to use them, which is why I did n't check the expiration date on the card. Is there any way that Citi can be made to issue me another card with my balance or re-open my current card. If they withhold enough people 's balances, they 'll have a gold mine. This is totally unfair!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
ATTN Fraud Department : Remove fraudulent 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 explanation