BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-01
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I file a Police Report as you will see in the attachment, Because this account of Radio Shack it is included it as Identity theft/Fraud. 
I Reported it XX/XX/XXXX that I have lost/stolen the Credit Card, However they Radio Schack continue claiming that they had verified the account by checking that the Credit Card was issue in my name and the address matches their files, therefore the Account is mine, however I have continued asking myself Why Creditors just by telling the that my name and social security number and my address matches their files therefore the investigation is completed it so now I am responsible, since they have exhausted their efforts by investigating this account, I decided to investigate myself the account I wrote a letter on XXXX XXXX, XXXX ( See Attachment ) requesting documentation that the law allows me to request under the Section 609 ( e ) of the Fair Credit Reporting Act to find out or to acquired Radio Shack Investigation report and all the documents stated in my letter, they ignored me that tells me a lot in not trusting their investigations. 
On top I found today by an Alert Message I received from XXXX that Radio Shack continue reporting to the Credit Bureaus every single month, that the account is over the limit Creating a big impact on my Credit Report and Score unnecessary because in fact this account was closed when I reported it the credit card lost/stolen XX/XX/XXXX, if this account is closed why they are continue reporting this account that is over the credit limit when has been close for years, at least this what the representative told me XX/XX/XXXX but the funny thing is that they never sent me another card it remains closed. the I reported it as Identity theft the account should not be reported it to Credit Bureaus when there is an Identity Theft/fraud issue. 
This account should be Removed/Deleted for Non complying to respond to my letter dated XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, My Names Are XXXX XXXX XXXX. 
I opened a PayPal account and was using it fine until one day, paypal decided to limit my account and demanded some documents. I provided the documents but I received an email later that my account will be limited for 180 days and that afterwards I'll receive an email on getting my funds ( {$300.00} ). 
180 days passed as stated and on XXXX XX/XX/2021, I received an email that my funds are eligible for withdrawal. This is when the problem started. 

I tried to link a XXXX XXXX account for withdrawal but it wasn't possible. I got an error " There's a problem with your account contact us to resolve this ''. I contacted them and on XX/XX/2021 and I got an email that I can now link my XXXX XXXX  account to transfer my funds. I tried again but this time I got an error " Sorry we can't link that bank because it is disabled. Please try a different bank ''. 

I contacted them about this but no valid response. I then tried linking my VISA card that I've been usually using to transfer funds from my PayPal in the past. This I received an error " There's a problem with your account contact us to resolve this ''. I called them about this again but no valid response. 

Therefore, I can neither link my bank nor card to initiate a transfer based on the email they sent on XX/XX/2021 about the availability of my money XXXX {$300.00} XXXX. Please help me get them to allow me link my VISA card or bank to be able to transfer my funds. My PayPal email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In 2013 I filed a identity theft report with all XXXX credit reporting agents. they removed all items that where in dispute. I recently had items come up around the same time 2013. equifax and trans wont remove the items with a police report and ftc complaint number saying that the items belong to me after they removed them for year. there are items that do n't even match my social and they wont remove I ask for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Other

Complaint:
I have a credit card with XXXX XXXX Citibank XXXX which I have not used in many years. I recently checked my credit and they had applied {$10.00} to my account reflecting it was over 60 days. I did not receive anything to even let me know I owed them. I telephoned them and was told there was nothing they could do. They had tried to contact me on an email address I have n't had for several years. There was no effort to contact me by mail until yesterday when I received an alert ( after the fact ). This incident dinged by credit for XXXX points. After talking to them it seems the charge was for having an account. I feel it is very unfair to report an over XXXX when the consumer was not even made aware. Like I mentioned, that card has not been used for years. I went ahead and paid the {$10.00} that they were claiming I owed. However, I feel the fair and right thing to do is to remove that from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: DigniFi
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 this the Fair Credit Reporting Act this creditor has violated my rights. Under the 15 U.S. code 1681 section 602 states that I have a right to privacy. 15 U.S code 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. code 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Halsted Financial Services, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continuous robo calls using different phone numbers with the same or similar message : '' This call is solely intended for XXXX XXXX. If you are not XXXX XXXX, please hang up now and disregard this message. File number XXXX, ( or a variety of other numbers ), which was placed with XXXX or XXXX XXXX XXXX has been escalated to our final review department due to the lack of response from the required respondent. A full review of this file is being conducted by one of our loss litigation specialist and a recommendation of action to our client is imminent. In order for your personal statement to be included in this review press XXXX ( or XXXX ) now to speak to the representative responsible for conducting the review, or call us at XXXX ( or XXXX, XXXX and other phone numbers ), immediately upon receipt of this message. Failure to respond will result in a recommendation being submitted to our client without your personal statement being submitted. " These calls come from a variety of phone numbers with area codes from mostly XXXX, and XXXX. 
I am not XXXX XXXX, and have never heard of Halstead Financial Services. These calls seem to come in " batches ''. I receive these calls several times a day from different numbers, for several days a week and then wo n't receive a call for maybe a week, then it the cycle starts again. I have deleted many of the calls or messages, but what I did save goes back to XX/XX/XXXX. 
These calls are mostly to my cell phone, but a few have been to my home phone also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a writ of garnishment from the payroll department of the job I have only been at for a month, The Collection Agency is Wakefield and Associates In the Writ of Garnishment is my full Social Security number and my entire date of Birth, the Creditor is XXXX XXXX, asking for {$1600.00}. I had XXXX XXXX as my Medical Insurance Company in XXXX but all premiums were taken out of my check and I never owed them any premiums. My Daughter had XXXX in XXXX when she was XXXX but what the insurance company did n't pay I paid. There is nothing owed to XXXX XXXX., a copy of the original court document says XXXX XXXX XXXX in XXXX XXXX Court but I have never been served any court papers by XXXX XXXX or Wakefield and Associates. I have absolutely no idea what this is for .Wakefield and Associates have never communicated with me either by phone or mail to allow me to respond to this, and dispute it they have just filed a garnishment on XXXX XXXX, XXXX. This needs to be immediately stopped

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 2015-10-21
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortage comapany Banco Popular of XXXX, refuses to modify my loan so I can keep my home. Investor is XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I filled out a house rental application and received a call from XXXX XXXX XXXX saying I was accepted, so he sent over a lease that was signed by him and I signed it and sent back to him. After that he requested I send him a money order of {$1200.00} to his daughter ( XXXX XXXX ) and he will send me the keys. After I sent the money he stopped contact with me and after XXXX days of trying to contact him I called from a different number when he answered I said who I was and he hung up. He stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent {$170.00} to purchase shoes from a seller, ( XXXX, cash app name XXXX XXXX, my cash app name is XXXX XXXXXXXX. ) through cash app on XX/XX/XXXX. Today is XX/XX/XXXX, I have not received my shoes. Ive reached out to this company XXXX  per their business email XXXX SEVERAL TIMES, With no response on exactly where my shoes are or a tracking number. Ive also tried to reach out to the company via their XXXX XXXX. I have purchased from this seller before without any problem. On XX/XX/XXXX, I filed for a refund through cash app. My request was denied from the seller, XXXX. Cash app needs to send my money back! I have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Penn Credit Corporation
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The number they are calling is XXXX XXXX XXXX. This is a business phone, not a personal. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am filing this complain against Equifax. Equifax made an error on the reported date data element on a negative report as a result of a short sale during the XXXX recession and has not make the correction, causing significant delays in my ability to get a mortgage loan at the current interest rate. The reported date of this negative account should be XXXX XXXX because the issue has been resolved and closed around that time. However, the date that Equifax shows on the reported date was XXXX/XXXX/XXXX, which was the date that I disputed them on another matter on this account. On XXXX XXXX, I submitted a dispute asking Equifax to change the reported date of this negative account back to XXXX XXXX. Today when I checked the status of the dispute, the date has been changed to XXXX XXXX, XXXX, which will eliminate me from getting a convention mortgage loan for next 7 years. This is so because lenders are saying that I have to wait at least 6 years for a conventional loan if you have a short sale on my credit report. It has been more than 6 years since the short sale, and I 'm trying to get a conventional mortgage loan. My credit scores are now above XXXX. However, lenders I talked to so far are unwilling to make a conventional loan offer because when they ran my credit reports through their system the reported date data element of Equifax on this negative report shows XXXX/XXXX/XXXX and now XXXX/XXXX/XXXX instead of XXXX XXXX. The other XXXX credit bureaus are fine because the reported date of the same account show XXXX XXXX. Because of the XXXX/XXXX/XXXX reported date and now XXXX/XXXX/XXXX on my Equifax credit report, I am unable to qualify for a mortgage loan. Equifax might not be aware that the reported date data element are being picked up by loan systems as the first date of a negative report. I am asking Equifax to correct this error and share this complaint with CFPB because I have a feeling that I might not be the only one. If XXXX others are impacted by this and ca n't participate in the housing market because of this data element error, I can imagine the impact of this error on the economy and the lives of so many households. Please get Equifax to understand that they are not just dealing with data. The mistakes they make have real consequences in the economy and people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Contacted Equifax today XXXX/XXXX/2015, in an attempt, to dispute inquiries. I initially spoke to a customer service rep by the name of XXXX. She submitted a dispute for a collection account with confirmation number XXXX. She stated she was unable to dispute any inquiries. She continued to say the Fraud Department would have to assist me. I spoke to XXXX in the Fraud Department. He stated they are unable to dispute inquiries, because they are factual. I then requested to speak to a supervisor. I spoke to XXXX who stated she was a supervisor in the Fraud Department. I explained to her about the inquiries and attempts to get discrepancies resolved through the creditors, without success. I also told her that I was told by the CFPB that credit bureaus have to dispute inquiries and could provide me with documentation used to complete the investigation. She then told me they do not have the capability to dispute inquiries. I then told her that inquiries were able to be disputed in the past. Asked had that changed. She stated again they do not have the capability to dispute inquiries. The inquiries in question are listed below Settlementone : XXXX XXXX BANK XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 Equifax Mortgage Services : XXXX XXXX XXXX XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: U.S. BANCORP
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been banking with US Bank since I XXXX from US Military in XXXX. I live overseas and informed them of this when I opened the Account there they said there was no problem with this. on XXXX XXXX XXXX I received a letter from them saying they were closing my account in 10 days from the date of XXXX XXXX XXXX this gave me 3 days to find a new bank and get my direct deposit tranfered almost impossible due to me living over seas no reason of why was given. I contacted them the person I talked to said there was nothing listed for my account to be closed. I have repeatedly requested information on why my account is being closed. I have never bounced a check or had overdrafts on my account. they will not give me an explanation on why except keep saying I live overseas. Since I opened the account with them knowing I was going to be living overseas I asked them for a copy of there policy stating that I can not live over seas and bank with them. they have not provided this policy to me as of this time. I am wondering if this is Legal for them to close my account on this sole reason and why they wo n't give me time to find a new bank and get everything transferred before they close my account.

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 2022-11-08
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have this complaint against TD Bank - Account Mor Furniture For Less, my Monthly payment are {$170.00} every XXXX. I had set up automatic payments through TD Banks Website at XXXX had another account on the same Website through XXXX. I received a call from TD Bank saying that I was late with my payment due to wrong Bank account number I had provided I told her if she was sure because I had another account through XXXX maybe she got mixed up. So I paid {$170.00} didn't say anything about late charges or nothing. I contacted my bank and ask if there was any attempt by any Bank making a transaction on my account, my Bank said none was attempted or it would of shown up. I set up automatic payments for the XXXX of every month through my bank. I got a call on XX/XX/XXXX saying I owe {$25.00} late fee for my account to be current I asked him if that was all he said pay the {$25.00} and your account is up to date I said ok. On XX/XX/XXXX I got a call saying I owe {$40.00} late fee, so I told her I had paid {$25.00} on the XXXX and that my account was up to date the Rep said if I had a dispute go to their Website and fill a Billing Dispute Form so I did. I talked to Supervisor XXXX and XXXX who played part of the phone call recorded on XX/XX/XXXX, on that recording we both heard TD Banks Rep say for me to pay {$25.00} and my account will be current Til this day I'm still been getting calls and letters about being late with my payments charge {$40.00} late fees. I tell XXXX Reps my Bank sends the payment every XXXX he said they don't process the payment till 4 day later I told him does the system show that payment on time he said yeah maybe that's why I'm being charge late fees so I changed it to the XXXX. I filed a complaint with XXXX in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Fax XXXX XXXXXXXX XXXX close the file nothing solve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 2 American Express credit cards. I downgraded these credit cards on XX/XX/2022. While downgrading, I contacted the bank over instant chat. I asked the customer care professional if there is any impact to the rewards or a penalty if I downgrade the cards. The customer care professional confirmed that there would not be any impact to the rewards. I then gave my consent to downgrade the cards. After a couple of days, AMEX put a bonus reversal charge of {$150.00} each on both the credit cards. I have tried to get in touch with AMEX several times for this. They mentioned that since I downgraded the card within 1 year that is why the bonus was reverted. At that same time they have also accepted the fact that their customer care professional provided incorrect information that the rewards are not affected with the downgrade. I requested them to rollback the entire thing, that is upgrade the cards back to what they were and also put the bonus back. They have opened an internal case on XX/XX/2022 but till today there is no update. Each time I follow up for an update, they ask me to come back after 6-8 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: TRANSWORLD SYSTEMS INC
State: CA
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:
XX/XX/XXXXUNIVERSITY ACCOUNTING SERVICES & XXXX XXXX XXXX XXXX .... 
THIS IS MY XXXX STATEMENT AND ALREADY IT HAS PAST DUE CHARGES ON IT ... 
THE AMOUNT I OWE WENT FROM {$900.00} TO {$910.00} with Interest of {$4.00} plus Past Due Charge of {$3.00} ... .and this is my FIRST Billing ...!!! 
DescriptionXXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXXLoan DetailsID XXXXXXXX ; XXXXDescription XXXX XX/XX/XXXX ; XXXXStatus GraceCurrent Balance $ XXXXCurrent Principal $ XXXXCurrent Fees ( Interest Bearing ) $ XXXXCurrent Fees ( Non-Interest Bearing ) $ XXXXCurrent Interest $ XXXXCurrent Interest Rate 8.900000 % Amount Due $ XXXXDue Date XX/XX/XXXXAmount Past Due $ XXXXCurrent Interval MonthlyAccurate As Of XX/XX/XXXXTHIS IS FRAUDULENT AND PREDATORY BILLING ....!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On a recent trip I used my bluebird account to pay for the hotel. 
Somewhere in the process Bluebird recorded transactions improperly. As a result my card was erroneously charged XXXX dollars which caused a huge deficit in the account. Bluebird would not immediately correct the problem and stated that i needed to wait another 48 more hours for a refund!!! This caused me much financial hardship.

Company response to consumer: Closed with monetary relief