BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-19
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 - 120 ) days  past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2021-05-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to unfreeze my equifax report tonight for 2 weeks, but they blocked the unfreezing. There is no 24/7 number to call, just a workday 9-5 number. This prevents me form apply for the loan on sunday that I needed to do

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
N  avient has not placed my loan on Forebarence as part of the Defense to Reoayment program. Navient has b een sent the documentation twice by the Department of Education since   XXXX   XXXX    . Navient is unwilling to discuss issue as their employees are not educated in handling the  Defense to Reoayment claims, often asking multiple times if I 'm asking for a forevarence request as if   pushing me to take a forebarence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CHARLES SCHWAB CORPORATION, THE
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My social security number is XXXX. Since about 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$2000.00}. I believe I appreciate Charles Schwab Bank 's collection agency for accepting money from me over this time. However, the original funds have not been recovered from my client 's checks yet. Now, I am concerned about damage to my FICO score to qualify for a home. I am still collecting unemployment and now I am starting school next year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to dispute these accounts on my credit report but i havent had any success. Please delete and block the following accounts : XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX {$25000.00}

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so I'm asking for your assistance. Thanks again

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 2019-10-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
-Received Promotional Offer from Citizens Bank . ( See Attached ) -Opened Account on XX/XX/2019 -Direct Deposit of {$500.00} bi-monthly commenced on XX/XX/2019 -Made Required 5 Debit Card Transactions -As of XX/XX/2019 no {$300.00} Deposit had been received. 
XXXX-Visited Citizens Bank on XXXX XXXX in XXXX XXXX Connecticut . CSR contacted Citizens to check on deposit and was informed it would not be made until XX/XX/2019. I filed a complaint with the bank manager as that is not what the back of the mailer stated. It specifically said the {$300.00} deposit would be made 60 days after account was opened which would have been around XX/XX/XXXX. Who can I contact to get assistance with be payed the {$300.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have sent Capital One notice stating that I was unable to pay this Credit Card balance on as of the moment due to a lack of income, however I have now been dealing with harassment letters from someone claiming to be a Creditor ( XXXX ) for several months. 

I have requested proof of the whereabouts of from XXXX for several months now and have not received a ligitamate response with proof of the requested documents such as : 1. Show me the evidence of the original contract from Capital One, because as it stands, there is currently a class action lawsuit ( Zosiak Versus Capital One ) againts Capital One for having a " breach in their data base. '' 2. Provide the license that XXXX has to collect money from me in my state as well as the contract agreement that I orginally entered into with XXXX  to do so. 

3. XXXX XXXX XXXX is still lacking the proof of the charges as they pertain to the summary of this debt with Capital One. I have also requested proof of how they've obtained this information as mentioned previously, however my original request was never satisfied neither the latter. 

*what are the specific interests, fees and charges that brought this balance to a particular amount. 

I was hospitalized multiple times in 2019 as a result of the stressors from XXXX ' Harrassments. Please see documents from XXXX hospitalization if this portal allows for uploads.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I attempted to contact the company and was past due and daily interest is being charged. I told the company that I cant the past due all at once and could they please close the account I no longer want to use their services. I can pay XXXX a week on the account. They said no gave me another option - I said again what I can pay. They said they will not close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CITIBANK, N.A.
State: TX
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:
I have contacted CitiBank numerous times by phone calls, letters, emails and portal secure messages regarding a disputed charge. 
Despite repeated responses of [ Well get back to you soon ], they have never responded which I suspect is in violation of regulations. 
I called Citibank on XX/XX/2018 since they had again apparently ignored my letter including options I offered them e.g. cancelling my account & refunding annual fee ). My phone notes : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2018 XXXX XXXX : XXXX? 
CitiBank - Partition Magic chargeback error Can't waive annual fee : I'll get a {$99.00} statement credit if I spend {$99.00} in first month. Dispute resolution team said they didn't get letter until XX/XX/18 and want 7-10 business days to either call me or send me a letter regarding the resolution. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Even though the agent, while I was on the phone, dialoged with the Dispute Resolution Team and confirmed they received the letter on XX/XX/2018, they still never responded as they ( again ) said they would. 
Since they refused to refund the annual fee, we started using the card again after 2 months to take advantage of benefits we had now paid for. 

I thought I would again attempt to resolve this matter with the help of the Consumer Financial Protection Bureau. 

Note : I originally attempted to file this complaint on consumerfinance.gov last year after I had prepared my latest letter to Citibank, but ran into obstacles on the website ( you'll note such references in the letter ). After many hours of putting that letter together, I just didn't have in in me to spend yet more time trying to overcome the technical obstacles of filing the complaint on consumerfinance.gov. I suspect it was the 10MB file size limit and the original pdf is almost 15MB. I have since purchased software that allowed me to shrink the original pdf and attach it to this complaint.

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 2018-12-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XX/XX/2018 I received a threatening phone call from XXXX USAA stating that they will not review my case, they will hold me accountable for fraudulant activity on my acount, per a prior CFPB report regarding fraudulent charges that have been disputed for the past year, some charges were reversed, but there is still an outstanding debt. The company states they have decided to hold me accountable for a fraudulently used convenience check. I have been a member of USAA savings Bank for 20 years and never used a convenience check to pay another person. they claim I paid someone, with this check. They are attempting to ruin my life, thay have put me in severe danger That is absolutely ridiculous as I have never written a USAA convenience check, never received, I have asked for a copy of the check, whom it was written to where it was cashed, where the checks were received and received no response. I have asked for the company to stop blatantly lying to me directly. I have asked them to put themselves in my shoes as a consumer and 20 year member and to simply do what they advertise which provide and protect consumers with XXXX liability fraud protection. This is 100 % fraud where is my liability protection? Why am I to be held accountable for this? I never received checks, I never wrote checks. They have caused me undue harm, increased stressed and should be held accountable for their actions. They do not really care about the consumer, they have no fraud protection. I would request a full audit of this company and there policies, specifically regarding denied fraud claims, as they continue to put the consumer at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: 360 MORTGAGE GROUP LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On   XXXX   XXXX  , I Initiated a hardship request because of an unforeseen medical situation.   Expecting that payments may be late or missed for  1  to 3 months or some time between   XXXX   XXXX   and   XXXX   XXXX  .      360  Mortgage,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX ,  (   XXXX  )  XXXX , could not have done anything more to prohibit this request offered by HUD for assistance to lenders for with unforeseen life situations.     The improprieties were : 1. In the email correspondence provided, the loss mitigation specialist  XXXX   XXXX  after numerous requests to contact me by phone to clarify conditions on stipulation list never replied although confirmation emails were sent stating a reply would occur in  72 h ours. Replies never occurred, all contact information was initiated by  XXXX   XXXX .      2.  When speaking with  Cust Service t he gatekeeper for the Loss Mitigation Dept, those reps stated Federal hardship requests are rarely ever approved b y 360  Mortgage because of the guidelines with FHA. Without seeing the documentation or knowing anything re : the request, how can a Customer Service  Rep  make that claim?   3. The  Document Checklist  list for the Hardship Application had  25 d ocument requests, 21 had a box with an " x '' and  4  had a box that was empty. Assuming the " x '' meant required documents, they were sent to  Ms   XXXX  only to find out  one  day before the doc deadline  XX/XX/XXXX  that all docs would be required I furiously gathered a re-faxed docs on   XXXX   XXXX   the date of the deadline, only to find out  360 F ax was down that day.   *Ms.  XXXX   denied  the request and the hardship application was pulled on   XXXX   XXXX      3.  While this Assistance package nightmare process was going on I feverishly tried to keep up the payments, AND DID. While  XXXX  and  XXXX  were late, they were made. 360 reported tot he credit reporting agencies these late payments and now a refinance to go with another lender CAN NOT be attained.     I 've requested  360  mortgage to remove these derogatory items and they have declined for   XX/XX/XXXX   and  XXXX  of  XXXX .     Unfair trade practices, customer intimidation, overloaded loss mitigation and customer service staff, failure to follow federal guidelines for home assistance programs, failure to accept responsibility for electronic document transmission errors and erroneous reporting for extenuating circumstances are just a few of the process flaws that are systemic in the Mortgage  Origination, Servicing  and  Cusotmer Service  with 360 mortgage.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
Paypal Close My Account For No Reason. I checked there users agreement and there is nothing that I would have done and checking my activity I am no wrong even they close my account .I earn money after hard working. I lost my whole money. I try to contact to paypal customer service many time but didn't got any response. I open my paypal account via this XXXX XXXX ( link with my paypal account ) XXXX. ( XXXX XXXX  - XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: WELLS FARGO & COMPANY
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus  are reporting inaccurate information on WF/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-03-02
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are XXXX different collections debts reported on my credit report for exact same amount for a physician bill in the amount of XXXX for both accounts. I had called the collection agency in regards to the debts which I have never received. I did not live in the state in 2016 in which XXXX of the debts was placed on me. Whats strange is both accounts has the exact same account numbers, same month but different years. I have disputed the debts on my credit and was removed and after 30 days was returned to my credit account. In addition, I have insurance and if I had a bill would have be paid by insurance

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 2022-04-30
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received two cards in the mail from Truist saying I declined overdraft coverage and I called them to try to explain to them I did not open two accounts with them. They kept asking for my social security number and I refused to give it to them. The cards came from XXXX, NC and she said she was in the XXXX. I did not open accounts with them and I dont even know what Truist is. I dont know what to do.

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 2019-11-19
Company: EQUIFAX, 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 do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge,  consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I SUBMITTED A DISPUTE TO EQUIFAX AND THEY SENT RESULTS STATING THAT THE ADDRESSES WAS DELETED HOWEVER IN THE SAME DOCUMENT THEY SHOW THAT THE ADDRESS IS STILL ON MY FILE. NOT SURE IF THEY HAVE MIXED MY CREDIT FILE WITH SOMEONE ELSE BUT THOSE ADDRESSES ARE NOT MINES. HOW COME THEY SAY ITS DELETED BUT STILL HAVE IT IN MY CREDIT FILE. IF YOU LOOK AT MY ONLINE SYSTEM IT SHOWS COMPLETED XX/XX/XXXX BUT IT STILL HAS THE SAME ADDRESSES ON MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/2019 I applied for a credit limit increase for my Home Depot Card as we own a home from the 60 's and expect repairs to be required soon. They did a hard credit check and increased my limit. On XX/XX/2019 they reduced my credit limit by {$11000.00} dollars making the XXXX inquiry pointless and reducing it even further than before. I have reached out and asked them to either raise the limit back up or someone retroactively remove the inquiry, but have not received any response.

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 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$690.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, this account is well over ( 7 ) years old and second, I have not had a XXXX account since college which was many years ago. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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