BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$74.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$74.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2015-10-02
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Thank you for reviewing our complaint. Last year XX/XX/XXXX I had a lawsuit filed against me regarding my employment and subsequently had to change jobs XX/XX/XXXX. XX/XX/XXXX my wife and I called our mortgage company Citi Bank to tell them of our severe financial problems. At that time we were two months behind on our mortgage. We ask Citibank for a mortgage re-modification and subsequently file the application for a HAMP loan. The process dragged on until XX/XX/XXXX when Citibank informed us that they did n't do HAMP loans after we submitted months of bank statements, forms, tax returns etc. Then we were told to apply for a mortgage modification which is what we asked for in the first place. So we resubmitted bank statements, tax returns everything they asked for. All the while we were told by the XXXX Citibank representatives ' that they would not accept any partial of full mortgage payments from us until the application process was completed. XX/XX/XXXX Citibank denied our modification due to the fact that we " did n't make enough money '' our income was short {$100.00} per month or there about. Then we appealed their decision and they told us we " made too much money ''. Thus denying us again. By that time we were on our XXXX loan officer. Now we are on our XXXX loan officer and I am trying to work through the situation with him. We have saved money to make payments on our mortgage when we hopefully get this situation resolved. We have over {$170000.00} in equity in our home. We are currently 19 months behind on our mortgage. I believe Citibank has been untruthful, misleading, unwilling to help us keep our home. We have lived in this house for 10 years and have XXXX children and we are afraid we are going to loose our home. I have spoken with a real estate lawyer and he believes we have a case. Could you please help us?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: TIDEWATER FINANCE COMPANY, INC.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid off my auto loan on XXXX XXXX, 2016. Tidewater Finance provided me with a pay off amount {$310.00} greater than the balance of the loan. I requested a refund on XXXX XXXX,2016. I have not received the title of the vehicle or my refund. TIDEWTER has told me they have 60 business days to issue my refund and the title. My son is in the XXXX and I need the title to transfer the vehicle to his name prior to him being XXXX. I have called Tidewater more than ten times and emailed my request with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express closed my " blue cash cash everyday '' credit card in XX/XX/2020 due to non usage for 12 months, 5 months of that falls during the pandemic. My balance on the account was {$0.00} ( i owed nothing and if anything i made an extra {$33.00} payment and American Express owes ME money ). My family and I have been hit hard by covid19 because we are in the XXXX  business and no parties/events are allowed in my area until further notice. They failed to present me ant type of terms of agreement or a clause that states during pandemic or covid19, card usages will be counted as normal and will count towards non usage. They have damaged my credit score and credibility by taking the wrong action and when i contacted them, they could only apologize for their mistake, even though one representative tried to reinstate my account ( after i told him that i will file a complaint with CFPB ) but told me i have to call another number to see if im eligible. They are giving me the run around for their mistake and refuse to help to defuse the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
A Western Union money transfer made while on vacation was not going to be collected by my receiver so I called WU for a refund. I explained to them that I will no longer be at the original location as it was a stop during a cruise. They informed me that they could instead send me a mailed refund check and said it would take 2 weeks to arrive. After 2 weeks I called to inquire why I had n't received anything and was told it had been sent to an incorrect address ( which later I was accused of giving a false address ). I was told my address was corrected and I would be sent a new one. During the next 2 months I did n't receive anything and called customer service multiple times to inquire. Each phone call resulted in my having to explain the entire situation over and over and each agent telling me they had to send a request for information about my check and requested I call back in 24-48 hours. And then I would find myself in the same situation with no information about where my money was. Finally I decided to call and request my money be sent to a local WU store to avoid mail checks that never arrived. When I requested this, again I was told " your request has been sent, please call back to check the status of your request. '' My final call yielded no results saying I had already been sent a check to an incorrect address that I provided and I would have to wait for a new request to process. My original refund request happened XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I have yet to receive my {$1900.00} USD that is STILL in Western Union possession.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-27
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was told loan was discharged in BK in XXXX. Now Nelnet is reporting negative to my credit report. In fact they were inaccurately reporting that i my student loans were in bankruptcy as of XXXX XXXX. They have since corrected that error, but now report that i am 90 days plus delinquent. I never received a notice due, late notice or anything from Nelnet. I spoke with Nelnet and they advised they had n't contacted me since XXXX XXXX and even then it was at wrong address eventhough my info is correct with the bankruptcy. Nelnet is inept and i should not be damaged because of their inadequacies. Their inaccurate reporting dropped my score over 70 points and cost me a job that i was offered. On the day i was supposed to start they pulled my credit and because of the score falling below minimum requirements i lost the job. I have since applied again and have been approved for a deferrment due to no income. I cant pay back a loan without a job and i cant get a job if nelnet wont correct their errors and take responsibility for their deficiencies. i.e they did not update their address, they did not properly filed the bankruptcy notice and they reporting bad info to credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, 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:
DATE : XX/XX/2020 I'm refinancing my mortgage.On XX/XX/2020, the Escrow Company has appointment with me to sign myDocs and tells me I should pay off many credit cards and something else which I never know an d I never borrow. They give mea credit report that they ordered from XXXX XXXX XXXX XXXX. On credit report, the credit cards and financial companies I have not known and used below : ACCOUNT NUMBER BALANCE ( $ ) BK OF XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX AND MORE .... 
The credit report was run from XXXX XXXX XXXX Equifax shows Name XXXX XXXX XXXX XXXX not my name ) and SSN is not my SSN. 
I go online to get free credit report, Equifax and XXXX  ask me some security questions and said I should send mail or call. I call Equifax, the customer service asks me the security question and say they can not help me. I sent mail to Equifax on XXXX XXXX, 2020, and don't have answer. I get credit report from XXXX  ( because I paid ) It its correct. 
I would like Equifax and XXXX  fix problems immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had made transfer through XXXX and I made wrong transfer to wrong person. I right after found out I did wrong. I have disputed transaction and bank said they need to check before reversal transaction. As of XX/XX/XXXX, I spoke with person who I transfer wrong. He gave me receipt that his bank was transferred back to my bank. However, until now bank of america which is also my bank did not refund that amount to me. I felt like they dont want to return money and eventhough the another bank had made refund. I look like fishy and they want to steal my money

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 2022-09-16
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 Account # XXXX XXXX and 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # XXXX XXXX and 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection for an auto loan that I had was originally with Presolve Legal Group. They filed a judgment against and we went to court on XX/XX/XXXX. I was able to make payment arrangements with them and have kept to the terms agreed upon since XX/XX/XXXX. I called XX/XX/XXXX to get a copy of the payment terms that we agreed upon so that it could be reported on my credit report accurately and they informed me the debt is now with XXXX XXXX XXXX. However, the debt is still be reporting to the credit bureaus by Presolve. I have attempted to get XXXX XXXX XXXX to provide the correct payment terms and balance and they keep telling me they do not have it. I have called Presolve to get it and they keep telling me that XXXX has the debt now. 

I just want to have the debt reported correctly on my credit, with the balance reported accurately and the correct terms reflecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly told Portfolio recovery to not call my number anymore. However, they have now started to call everyday and all hours of the especially late night from different numbers such as XXXX, XXXX, XXXX and many other numbers. They have called everyday for over a month even after being asked to no longer contact this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02
Company: Stellar Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have submitted a separate complaint on XXXX and its 3rd party collection agencies ( CFPB case # XXXX ) for their mishandling of previous disputes I have made to them and/or their 3rd party agencies. I dispute the amount owed of {$130.00} and have since they attempted to collect it. I have been assured by XXXX and/or their various agencies on several different occasions that the debt would be cleared and they would remove it from my credit bureau. Initially about XXXX years ago, I submitted a dispute to the credit bureaus disputing this alleged debt. It was subsequently deleted either due to no response from the collection agency it was assigned to or they could not verify the debt. Since then it has been re-reported by XXXX different collection agencies with the most recent reporting coming from Stellar Recovery. Prior to Stellar, I have disputed this debt with the collection agencies, XXXX XXXX XXXX ( XXXX ) and XXXX XXXX. They both agreed to remove this alleged debt from my credit bureau and acknowledged my dispute. What appears to be occurring is that these agencies are canceling the placement and sending the account back to XXXX. These agencies are either not communicating my dispute to XXXX or XXXX is ignoring the communication. Once XXXX receives the account back from the agency, they are then placing it with yet another collection agency who then reports it to my credit bureau ( despite this account initially being disputed through the XXXX major credit bureaus where it was subsequently deleted ). It has since been re-reported 3 different times. At this time, Stellar Recovery needs to promptly remove/delete this reporting from my credit bureau and then XXXX needs to ensure they clear this disputed debt as it is not valid. XXXX then needs to take responsible action to ensure this is never assigned to a collection agency and is never reported to the credit bureaus again. XXXX can not and has not provided any concrete proof that this is a valid debt, because it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: CO
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 submitted a dispute regarding my Experian Report Number XXXX. There are two separate accounts that are being reported by both the original creditor and the collection agency so I am being penalized twice. XXXX  XXXX XXXX Account XXXX, is for XXXX XXXX XXXX  Account Number XXXX, and XXXX   XXXX XXXX Account XXXX is for XXXX  Account Number XXXX. The did NOT investigate as to whether these are duplicate accounts.

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 2020-03-05
Company: Experian Information Solutions Inc.
State: VA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not 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 2017-03-23
Company: CITIBANK, N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with CitiBank on XXXX/XXXX/XXXX in response to a promotion that I had received. The promotion said I could earn {$400.00} by depositing {$15000.00} and maintaining that balance for 30 days and keeping the account open for 90 days. I decided to close the account on XXXX/XXXX/XXXX ( 99 days after opening it ). I called Citibank to close the account and confirmed that I had met the requirements to receive the promotion. When I received the close-out check, it did not include the {$400.00} promotion. I contacted Citibank which told me that I had met the requirements and that the promotion had been set to be credited the day that I closed the account, but by closing the account, I could not receive the promotion. I escalated my call to a supervisor who forwarded my complaint to a department. This seems like a classic bait and switch. I funded the account with the required amount of money for the required amount of time and yet Citibank has not upheld its commitment.

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 2020-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My Bank of America Pre-Paid card was charged 3 times by an unknown source. I called Bank of America and was on hold for 3 hours with the fraud department and the call disconneccted. Today I was on for two hours for both call and the call dropped. 

I go online and this is a normal occurrence. I can't get thru to anyone to dispute these charges and people will take my money before I can do anything about this. 

Its not fair that this is how they are treating people reciving unemployment.

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