BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Six months after Carrington Mortgage  took over my account from  XXXX , they posted a delinquent account to my credit report.I have always paid this bill before or right on the first of the month.N o one said i was ever behind in my payments, nor was i given any notice.Apparently, they thought i sho uld pay both them and  XXXX  during their transition.I am angry and my credit rating went down  XXXX  points.This is both unfair and harmful to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
SEVERAL ERRORS ARE APPEARING ON MY CREDIT REPORT AND I'M TRYING TO PURCHASE A NEW HOME FOR MY FAMILY. THESE ACCOUNTS SHOULD NOT BE ON 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
Consumer complaint received 2022-01-04
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:
I was checking updates on my credit report if everything deleted but unfortunately I see the same negative information as before. Why you keep posting these accounts on my name. Im sure that someone have my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was contacted by someone who claimed to be from Citi Card notifying me that my account was compromised. I provided information regarding my account thinking I was speaking to my credit card company, Citi Card. On XX/XX/21 I saw four fraudulent charges of {$600.00} made to my account by a merchant " XXXX XXXX XXXX. XXXX XXXX  ''. I immediately contacted my Citi Card, told them what happened, and submitted a fraud claim. 30 Days later, I was notified by Citi Card that I would be fully responsible for the fraudulent charges amounting to a total of {$2400.00} and that they would not help me recover any of 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 2018-06-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Moneygram cancelled my account with no explanation! I am an american citizen with family in XXXX! I send money regularly and after 2 years of sending money to them they cancelled my account. When I called them for an explanation the were rude and provided no explanation! This company should not be allowed to do business in the great state of Georgia!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On   XXXX   XXXX   XXXX    , my friend and I were passengers on  XXXX  flight #  XXXX . This flight was from  XXXX   XXXX  to  XXXX  and was booked through  XXXX . We purchased  XXXX  seats and once on the airplane, we inquired as to availability and the cost of upgrading to  Business se ats. The flight attendant told us there was available seating and the cost would be  XXXX . We verified the price again, and the broken English speaking flight attendant assured us the cost was  XXXX  Dollars. We gave our credit cards and moved into the upgraded seats.     Several hours later, after meal service, the lights were dimmed for resting passengers. At this time the flight attendant presented the credit card slip for me to sign. The receipt was for {$300.00}, which appeared to be for both myself and my friend who was sleeping. I asked about my friends credit card and the attendant, who spoke terrible  XXXX , indicated she would return with it later.     While I was away from my seat, my friend awoke and was presented with her credit card and slip for signature. She also thought the {$300.00} was for both of us. When I returned to the seat, we discussed that we had both been charged for  XXXX  upgrades and asked the flight attendant for an explanation. A different flight attendant came to us and explained that there was a miscommunication and the charge was not {$150.00}, but {$1500.00}! We were very upset as the original attendant stated the charge was  XXXX   XXXX , never did she say anything remotely resembling  XXXX   XXXX  or    XXXX   XXXX  ,    XXXX   XXXX  . After much back and forth discussion with the flight attendants, we were assured it was their error and we would not be charged. Several weeks later, both my credit card bill my friends arrived, each with a charge of {$1400.00} for the upgrade.     This flight was booked on a domestic airline, leaving from a  US l ocation. All flight attendants should have full command of the English language and be capable of properly explaining to passengers all policies, procedures and pricing. Additionally, all charges shou ld be in US Dollars  unless clearly explained. To expect otherwise would be unethical and unsafe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Incomm Holdings Inc.
State: CT
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:
On XX/XX/XXXX I was given a {$150.00} Vanilla Visa Gift card for my Birthday. I went to use the card on XX/XX/XXXX and the purchase was declined. I called the number on the back of the card and learned that the card was used at a XXXX store in XXXX, CA on XX/XX/XXXX for {$110.00}. I live in the state of CT. The card was purchased in CT. I was trying to use the card in CT. I filed a dispute with Vanilla Visa Gift Card Co on XX/XX/XXXX. 
On XX/XX/XXXX I was informed by XXXX XXXX at XXXX ( Parent Company ) that they would not be refunding my money at all since supposedly the card was physically presented at the XXXX store at the time of purchase. Thereby, absolving them of any responsibility. I can prove I was not in California on the dates in question. Again, I have the card in my possession. 
Additionally, per their automated message, as soon as a complaint is filed, any balance left on the card is frozen while the complaint is investigated. The card was used AGAIN well after the complaint was filed. This time in XXXX XXXX, CA on XX/XX/XXXX at another XXXX for the remainder of the card balance- {$35.00}. Somehow this money is getting refunded to me per XXXX. Small consolation in the grand scheme. 
I want a refund of the {$110.00}. I have filed a complaint with the XXXX XXXXn Georgia, where the XXXX headquarters are. Last I saw the company has yet to respond to this complaint. This is outrageous that I should be penalized in any way for fraudulent activity they allowed. Whether the card was duplicated, the numbers were stolen, whatever, the company should be responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I applied for credit with XXXX on XXXX XXXX, 2016 and was denied due to information obtained or supplied by Equifax. In the denial letter sent from XXXX, I was instructed to request my free credit report via online, or telephone. I first attempted to obtain via the internet. Equifax 's automated system repeatedly attempted to confuse or sell me additional information for a charge. Once I hit submit and did n't purchase any additional information, they instructed me to call. I attempted to call three separate times and all three times where denied access to my FREE CREDIT REPORT. I spent over 1 hour trying to go through a SIMPLE PROCESS of ordering my FREE CREDIT REPORT, and have failed to do so on 4 separate occasions. Ordering one 's FREE CREDIT REPORT, should be as easy as ordering an ice cream cone in my opinion ... but these XXXX credit reporting companies use tactics and processes that are confusing and frustrating to millions of consumers and the CFPB has an opportunity to make a difference. I am requesting my free credit report based on the fact that I was denied credit within 60 days. 
Can you please help? Also, besides ordering my free credit report, is there another agency that I can file a formal complaint regarding the processes and tactics used by this company? 

Thanks in advance for your help and support. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello my name is XXXX XXXX. 
- XXXX  months ago ( XXXX XXXX XXXX ), {XXXX} was stolen from my XXXX XXXX checking account and there are many fraudulent transactions from different stores and in different cities Im XXXXXXXX XXXX listed on my bank account and Im not sure who did this or why. 
- I am now out {XXXX} in my account and that was my XXXX XXXX XXXX  XXXX - Ive tried to dispute this issue with XXXX XXXX already and they denied my claim multiple times claiming that it was me who made those transactions and I was at home when all of this happened.

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 2022-08-16
Company: OPTUM BANK, INC.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The custody of my HSA account transferred from XXXX to Optum Financial on XX/XX/2022. I had a pending {$340.00} Credit to my account at XXXX that became a permanent credit as of a letter received XX/XX/2022. On XX/XX/2022 I called Optum Financial to ask them to transfer the {$340.00} that was apparently " stuck '' at XXXX. I was assured that the funds would be debited from XXXX and credited to Optum and was provided case # XXXX. The funds were debited from XXXX on XX/XX/2022 and were never credited to Optum. On XX/XX/2022 I called Optum and requested status but there was no record of my previous requests so I submitted a new case # XXXX and provided a copy of the letter I received from XX/XX/2022 showing the {$340.00} credit was permanent. I was told the credit would apply to my account in 3 business days. On XX/XX/2022 and XX/XX/2022 I called both Optum and XXXX and both at the same time on a conference call. Neither bank shows any record of the {$340.00} ever being credited to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear, Cfpb & Elan Financial Please disregard my first complaint that was submitted. I spoken with an representative from Cardmember Services to resolve this issue long after. I am now submitting this information opening a new case about getting this item removed from the settlement agreement of {$350.00} that was processed on XX/XX/2019. 

Thanks,

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 2017-06-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX   XXXX  keeps trying to get my social security number so he can submit a mortgage application for me. I have told him several times my credit is not good enough. He wo n't stop calling me. I wo n't lie on an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent XXXX  request to each company and they have been unresponsive. They are reporting misleading and inaccurate information. I have sent multiple request to have this information removed. My information was compromised in the Equifax data breach and these accounts are result of my information being compromised. It is illegal to report inaccurate information per US law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Credit Technology, 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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I vigorously dispute the response and closure to my complaint CFPB case #  XXXX  submitted on  XXXX  My original complaint : I received a dispute summary report from  XXXX   XXXX  and I see  Wells Fargo  closed my home Equity loan account #  XXXX  on  XXXX / XXXX / XXXX  with a  XXXX  balance then opened a new loan Account #  XXXX  under a loan type of a '' line of credit '' on  XXXX / XXXX / XXXX  with a balance of {$27000.00}. I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account.      Wells Fargo r esponse : Thank you for the opportunity to address the concerns about closing any accounts opened without your consent and to rectify the credit reporting. We 've carefully researched this matter and are providing a response. Here are important account details we 'd like you to know. The next payment is due on  XXXX   XXXX ,  XXXX . The account is in active foreclosure. We have confirmed that the account was opened with your consent and your credit is reporting accurately. We wanted to speak with you directly but were unable to connect with you at the phone number   ( s ) provided to us. We 've attached a copy of our response letter.
My dispute to Wells Fargo 's response : 1 ) What next payment? I have no information on this loan from Wells Fargo,   no documentation, no payment notice, no account number info or return address?    2 )  Their is no " Active Foreclosure '' as my home was foreclosed on in  XXXX  of  XXXX  by  Wells Fargo  while I was going though their modification process? yet another false statement.    XXXX  ) The erroneous account was absolutely not opened with my consent and therefore is not being reported accurately.    4 ) Wells did not try too hard to reach me as I called their POC   XXXX   XXXX  at the number provided  XXXX   XXXX  ex  XXXX  ) within their canned  XXXX   XXXX   XXXX  letter to me in response to my complaint and left numerous messages and contact numbers?    5 ) If Wells Fargo does not wish to resolve this issues amicably then I will have no choice but to use this very loan that Wells claims i 'm responsible for to reopen my once settled Pick-A-Payment law suit and use every means at my disposal to ensure Wells  is held responsible for their wrong doings and support of predatory lending 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 explanation
Consumer complaint received 2017-04-21
Company: PNC Bank N.A.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
payment arrangements were made on time as agreed to between myself a nd PNC, and yet fo r  XXXX ,  XXXX ,  XXXX  of   XXXX   payments were made on time as the letter states fro m PNC  to the CFPB. and  XXXX   XXXX  lied in that letter a few times, first all it was my call to  XXXX   XXXX  office to force  XXXX  to do his job. He now claims I offered to pay {$300.00} in   XXXX   to bring the account up to date. I do n't know where he got that from. The reason for the original complaint was tha t PNC agreed to the payment plan and   XXXX    assued me that there will be no more late pays reported to the Credi t Bureau 's. Yet for  XXXX ,  XXXX ,  XXXX  of   XXXX    XXXX  's letter proves the paymen ts were made on time but he refuses to correct the credit reporting. His actions are wrong and breaks a few credit laws. As I stated many times before make PNC release the recorded phone call and it proves I 'm right.  XXXX  lied plain and simple to me and a federal agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Albert Corporation
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a account on the Albert app, on XX/XX/22 I tried to use my card and it was declined. When I opened up my app it said my account had been closed with the funds being transferred to my connected external XXXX account. There is {$1000.00} in that account. You cant contact Albert by phone only through text everytime I hear from them they say be patient I feel like I have been scammed by them as this should be a easy fix days for by before they say anything and its the same thing every time were looking into it be patient its now XX/XX/22.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: TX
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:
There are four accounts reporting inaccurate information on my credit. It keeps coming back verified but still reporting inaccurately which is affecting my being approved for credit. I know credit reporting agencies are to report accurate information. Here are the accounts they are reporting inaccurately. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full since XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account status is showing derogatory but it has been paid in full XX/XX/XXXX. Also, this account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month until XX/XX/XXXX. Also the open dates & last active dates are reported differently. 

XXXX XXXX- the account was charged off in XX/XX/XXXX but has repeatedly been updated to charge off every month. The last active date & open dates are reporting different information which are inaccurate. 

XXXX XXXX XXXX- has 120 days late payments reporting. I do not have an account or contract with them. Also, they are a 3rd party debt collection agency that should not be reporting any late payments. In addition, the account open date & last date active are reporting different information with all 3 credit bureaus.

Company response to consumer: Closed with explanation