BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citibank checking account in XXXX. At that time, they had XXXX $ for depositing a large amount of money in the account. My account was funded the required amount on XX/XX/2022. In XXXX I asked the Citibank 's customer representative if I satisfied the bonus requirement and okay to withdrew fund for other usage. The representative responded yes and said explicitly that the bonus will still be delivered. However, after that, every single time I checked in with the representative and they kept delaying the bonus time. The last time I talked to them in XXXX them said I'm not eligible for the bonus because I withdrew the fund early. I'm furious and I hope you can help resolve this issue. Citibank is really a bad company to deal with, I probably will never have any relationship with them after this.

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 2020-03-24
Company: Nelnet, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX USDOE/XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
At XX/XX/XXXX, Im trying to change USD to RMB, Im in a rush so Im sending help on social media, and a guy text me he can help with it, Im in a rush, he blocked me after I send XXXX $ through XXXX XXXX to him, I try to contact XXXX  and they said they could not help because Im under XXXX and they need my SSN, they could help me anyway either Im a minor, that is not fair, Ive contact them like ten times, they all said they could not cancel a transaction, so I contact bank for this, at XXXX XXXXThey denied my claim at XX/XX/XXXX and takes a month, everytime I called them four times and I get a completely different answer from every call and still can not solve my scam problem, they replace my card and saying that could help report a fraud, i call today and they said I could not get my money back.

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 2015-08-04
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Violation of the Truth in Lending Act/Regulation Z ( payment posting, use of suspense account, payoff statement, trustee payments XXXX Payments were made by myself and the trustee ( under a chapter XXXX filing XXXX the mortgage holder placed the trustee payments in a suspense account and did not apply them to the mortgage. In addition, when I asked for a payoff they provided a payoff which implies that the loan was due for XXXX 2015, however they received the XXXX 2015 payment, and I have a XXXX year bank history showing all payments were made, when I questioned them about were they were getting this information that the loan was due for XXXX they simply said I made a short payment ( which I did not do ) and until I paid an additional XXXX ( to make the suspended amount a full payment they would not credit the money to the account ). The money in the suspense account was not a short payment by me but instead payments from the trustee. The trustee filed a notice of plan completion and a notice of final cure ( for any default on the mortgage XXXX The bank responded through the court that they had no objection and that the account was due for XXXX 2015. Chase is not crediting the money received by the trustee to the account, there is conflicting information given to me verses the information given to the trustee. When I asked for a payment history they advise they have XXXX days to provide it to my attorney, they will not give me any documents/specific information regarding my loan. When I attempted to re-finance the loan, Chase took XXXX days to provide a payoff, and when asked for a payment history, advises they will respond within 30 days. These timeframes are unacceptable, and now I may loose my financing as the interest rate lock expired and I 've had to extend it and it expires XX/XX/XXXX2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian makes it very difficult to place a credit freeze on your account in the event of suspected identity theft ( we accidentally gave sensitive financial information to a phishing email on XX/XX/25 and tried to freeze our credit on the same day ). It seems that they do this intentionally as placing a credit freeze can be accomplished fairly easily online at the other two credit agencies. It is similarly difficult to place a fraud alert with experian compared with the other credit agencies. At this point we have been unable to place a credit freeze with experian and we are having to mail documents just to place a fraud alert. We have already placed credit freezes with the other credit agencies, which again was fairly straight forward. Experian does apparently allow for a credit freeze to be placed by mail, however due to the outrageous amount of documents they request be sent by mail ( which they won't allow to be uploaded online ) and our concern that it will be very difficult to remove a freeze with experian in the future ( there are many reports of this online ) we have not attempted this. Additionally when we attempted to upload documents for a fraud alert online, experian 's upload site simply times out. I have tried multiple times. Again, it seems that they intentionally make the process difficult. We have tried to call, but we were never able to reach a person to speak with. Credit agencies are required by law to allow for fraud alert and credit freezes to be placed. Experian seems to be doing their best to comply as little as possible with law.

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 2022-07-17
Company: EQUIFAX, INC.
State: GA
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, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: IL
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 have requested verification and validation of an account on my report from XXXX XXXX I have sent 5 letters since XXXX to both XXXX XXXX and each credit bureau. I have not received a response to my validation request nor have I received a response to my method of verification request. Each time though, the credit bureaus update the account as verified but the account has never been verified. It is the legal duty of each bureau to only report accurate and verifiable information. 
Letters were sent on XX/XX/2020, XXXX, XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have not received a single response from either letter.

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 2022-04-09
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: Investigation took more than 30 days

Complaint:
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. It has over 30 days since the initial dispute submitted. Credit reporting failed to comply with Fair Credit Reporting Act. 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. 

Credit reporting failed to provide documentation used to verify the dispute. Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 
regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as XXXX XXXX XXXX XXXX XXXX I request that the following inaccurate items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within thirty days.

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 2017-05-24
Company: STATE FARM BANK, FSB
State: MD
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 XX/XX/XXXX I paid XXXX XXXX XXXX ( XXXX, Fl. ) {$7000.00} for a Patent Application for my invention. I found out in XX/XX/XXXX ( 1 month after they were charged ) that XXXX has been closed down and assets frozen because of " Fraud '' ( by the FTC & FBI ). They were supposed to market my invention for patent and have everything completed in 300 days from the initial transaction and they did not do this, failed entirely. {$7000.00} was paid to XXXX on my State Farm XXXX Credit Card and the remaining {$17000.00} was paid through my checking account via XXXX XXXX XXXX XXXX ( total : {$24000.00} ). I first contacted State Farm XXXX in an attempt to get my {$7000.00} refunded on XX/XX/XXXX. This was less than 60 days after I found out about XXXX being charged with fraud. State Farm Bank will not honor my protest yet I belong to a XXXX Website titled : XXXX XXXX XXXX Class Action Lawsuit and many members of this site ( who were also scammed by XXXX & CEO XXXX XXXX ) have already received refunds from their credit card companies, including XXXX card holders. All information about XXXX can be confirmed online by just XXXX  " XXXX XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Creditors Validation letter to Receivables Performance Managment. I had my Personal Financial Consultant XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a XXXX Cell phone bill that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Receivables Performance Management. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be registered with the State of Texas in order to collect a debt in Texas. Receivable Performance Management is not registered with the State of Texas. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Receivables Performance Management. 
I have never open a joint account with XXXX in my name ever. This is a fraud account open and needs to be removed 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
Consumer complaint received 2022-04-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Brief explanation - XX/XX/XXXX - 2 concert tickets purchased for {$780.00} through my online XXXX account using PayPal Credit. Concert scheduled for early XXXX. 

XXXX - Due to the COVID outbreak and associated restrictions placed on public gatherings the concert was rescheduled to a future date in XXXX. Attempted to obtain a refund from the vendor but was informed that because the concert would be rescheduled and not cancelled, no refund would be issued but the original tickets would be valid for the new date. 

XXXX - The concert scheduled in XXXX was again postponed to XX/XX/XXXX. 

XX/XX/XXXX - The concert was officially cancelled by the artist. I contacted the vendor and was informed that the full purchase price of the tickets would be refunded to the source of the funds ( PayPal Credit ). 

XX/XX/XXXX - A refund was posted on my PayPal account in the amount of {$780.00} showing that the money was refunded to PayPal Credit. 

Numerous attempts to recover this refund has been unsuccessful and it's now been almost 3 months without resolution to the money owed to me.

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 2016-08-20
Company: Northern Alliance Management, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Northern Alliance Management with telephone numbers XXXX and XXXX constantly calls my cell phone repeatedly When I returned the to XXXX XXXX she transferred me to some who was rude, threatening and hung the phone up on me. I called back to speak with the employee but then they just kept me on hold for a long period of time. When asked if they could send me something in writing that 's when the employee became rude. He quoted me owing XXXX different amounts that I supposedly owe, so I asked for something in writing and that 's when the employee became rude and hung up the phone on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Regarding account number XXXX My identity was stolen and was acquired, and or purchased by CASTLE CREDIT CO HOLDINGS LLC D/B/A CASTLE CREDIT. 
who is now sending me dunning letters and posing as a creditor demanding payment on an alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Receivables Performance Management, LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Receivables Performance Management is calling several times a day starting at XXXX harassing me about a debt that I do not owe. I 've told them it 's not my debt. yet they keep calling every day. Do they think I 'm going to pay so they quit bothering me??

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, XXXX XXXX is reporting on their website a {$12000.00} collection from my Transunion Report but I do not have a collection account of any kind. The student loan and credit card amounts are correct, but XXXX XXXX is publishing inaccurate information about a {$12000.00} collection. Please fix these issue quickly. 

I have attached a PDF copy and highlighted the error. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently opened an XXXX Invest account and I want to link my Capital One checking account for the purposes of funding the investment account. After talking to Capital One support they confirmed that they are currently blocking the connection due to security, even though XXXX likely maintains equal, if not greater security standards than Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
RE : Account # XXXX XXXX XXXX currently reporting to my Transunion Consumer Report. This account exceeds the Statute Of Limitations for the State of 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 non-monetary relief
Consumer complaint received 2020-09-17
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: Information belongs to someone else

Complaint:
XXXX XXXX  XXXX not mine and address not mine XXXX XXXX XXXX XXXX tx XXXX remove the address and not my name

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account is more than 7 years old. My car was repossessed in 2008 from original creditor. Collection agency claims they do not have any records of this account, however it is still on my credit report from XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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