BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
See complaint # XXXX : " On XX/XX/2021 I initiated a transfer of funds, {$1000.00}, from my previous bank account with XXXXXXXX XXXX to Citibank Online. I had opened a checking account on XX/XX/2021 with Citibank Online. On XX/XX/2021 I had tried to transfer more money into the account only to receive an error saying that Citibank was not responding. Upon checking my email following the above, I filled out a documentation form requesting my drivers license and a proof of address. After this I called customer service for Citibank. I spent the next four hours speaking with various customer service representatives over the phone and using the chat function on the Citibank App. I was informed that my account had a hold on it for a {$0.00} transaction that was only visible to the customer service representatives, and not to me. Thus my account is under investigation for next 7-15 business days. With no way to resolve it. I was also told that I could not expedite the process, even though all funds I possess were in that account. I was also informed I could not transfer my funds out of the account, nor access them in anyway until the department was finished with the investigation. I was never able to speak with a supervisor or manager upon request to verify this information, though I requested to do so multiple times. My money is on hold for no discernible reason. I also was hung up on by customer representatives multiple times, and treated without care or resolving my issue. I was also refused the number of the team that would actually be resolving the hold on my account, being told that the " backroom team '' would be taking care of it. '' Above is my former complaint. 

I have contacted Citibank on XXXX via phone to get them to review my account documents. They have refused to do so, and have been unwilling to connect me to a manager.

I was connected to the Executive Response team late last week, around XX/XX/2021, and told they would help resolve my problem. This week, on XX/XX/2021 and XX/XX/2021, I have contacted both the Executive Response Team and the Fraud department with citibank. My account and documents provided have still not been reviewed and my complaint has not been meaningfully addressed. They have also gone beyond the 7-14 business days they promised my account would be reviewed within without making any progress whatsoever.

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 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Credit reports show CHP XXXX as a CHP XXXX. All of my debt before XXXX 2017 have been discharged. Credit report should be reporting a CHP 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 2017-10-23
Company: EQUIFAX, INC.
State: CO
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:
Credit reports show CHP XXXX as a CHP XXXX. All of my debt before XXXX 2017 have been discharged. Credit report should be reporting a CHP XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: BARCLAYS BANK DELAWARE
State: NC
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 am following up on my prior CFPB complaint ID # XXXX, Barclay 's did not resolve the dispute, they stated they have only reasserted the claim. I have not received any return calls from Barclay 's either, after leaving 3 voicemails with the Office of the President. If there is an investigation ongoing regarding the dispute, I should have at least received a phone call by now. This needs to be corrected immediately and the {$330.00} refunded to my credit card.

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 2017-11-04
Company: American Financial Resources, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
American Financial took two payments from us during transfer of mortgage to XXXX. They sent one payment to the new mortgage but not the second. We have tried numerous times to resolve this between both companies. Sending bank statements of payments, email confirmations of payments with no resolve. Numerous hrs on the phone explaining this story to several people and our money is still missing.payments made to American Financial on XX/XX/XXXX and XX/XX/XXXX. First payment finally transferred to XXXX on XX/XX/XXXX. Second payment American Financial admitted to sending back to themselves instead of sending to XXXX. They refuse to solve this matter and both companies are not communicating with each other. Our money is gone from our account and had not been applied to our account for monthly payment of mortgage. American Financial should never have taken our payment if they transferred us without proper notification.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, I retained XXXX XXXX XXXX XXXX  ) ( XXXX XXXX  from XXXX NC XXXX ( XXXX XXXX XXXX ) to move me from two XXXX ' XXXX XXXX units, XXXX, NC to my new residence XXXX XXXX XXXX, XXXX, NC XXXX I paid in full on site with my Wells Fargo VISA card ( WFVisa ) # XXXX WFVisa posted charge of {$1600.00} on XX/XX/XXXX on my account XXXX. I paid total card charges for that period. 
Later, XX/XX/XXXX, I received my Wells Fargo VISA statement with four ( 4 ) consecutive postings from XXXX XXXX ( XXXX NC ) on XX/XX/XXXX. I immediately called WFVISA & cancelled card, started fraud investigation with WF Visa and receive new WFVisa card account number. I called the XXXX contact phone numbers and both sites were non-working numbers. I contacted the NC BXXXX XXXX XXXX  & they disclosed XXXX was not an approved mover for NC State & with more information would file a claim against XXXX with the NC XXXX XXXX. WFVisa Claim # XXXX for the 4 postings are XXXX ; XXXX ; XXXX and XXXX totaling {$13000.00} in charges. WFVisa staff have been less then supporting with investigating the claims. Each WFVisa review states : merchant XXXX provided documentation to support services for XX/XX/XXXX postings. XXXX XXXX XXXX, XXXX XXXX Sheriff 's Department has accepted my claim & started an investigation

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 2017-10-23
Company: CITIBANK, N.A.
State: NY
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 had a Citi credit card, and I was charged {$450.00}  annual fee. I called to ask to waive it, and I was told I ca n't. 
I asked if I cancel will they refund the money prorated based on days left, they said yes. So I went ahead and canceled. 
I did not receive a credit and they are saying the card is not eligible for a credit. I canceled 10 months of the cc based on getting a refund not for no reason.

Below is their final answer on XXXX XXXX Dear XXXX, Thank you for your further inquiry. 

As mentioned in our prior messages to you, your XXXX XXXX World MasterCard Elite Executive card account ending in XXXX is not eligible to receive a full or partial credit of the Annual Membership Fee. This fee is non-refundable for this account. 

We regret any inconvenience you may have experienced. We strive to be the best in the business and feedback like yours helps us to improve our service. We will make every effort to serve your future needs in a manner more consistent with your expectations and our standards. 

We hope this matter has been clarified and we now consider this resolved. Please note that we will be unable to reply back to further inquiries regarding this specific issue. However, if you have any other outstanding issues, we 'd be happy to help you with those. 

While we are unable to accommodate your request, we appreciate the opportunity to explain our position. 

XXXX, Sr. Account Supervisor.

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 2017-06-29
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Convergent  XXXX , placed an account on my credit report without FIRST notifying me of my right to dispute.   XXXX  They continue to forget the law as this is the 2nd time this company has done this to me.   XXXX  My rights say I have to be notified and given 30 days to dispute prior to placing the item on my credit report.   XXXX  Convergent  XXXX  collection practices are illegal and are continually being used on the American people.   XXXX  I called the company to see what was the bill.   XXXX  I was told that the bill was for  XXXX    XXXX   and  XXXX .   XXXX  I have not received a right to dispute.   This bill has not been verified and validated.   I do not have a contract with Convergent  XXXX  I am in the process of buying a home, and getting my clearance to work.   XXXX  Remove this incorrect collection immediately.

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 2021-07-21
Company: HEAD MERCANTILE CO., INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH Please see attached the response that I received from the debt collector HMC Group. It does not matter how many times I file a complaint against them by law they must respond to each and every point and dispute that I, the consumer brings to them. Being that they clearly failed to respond to the attached Affidavit of Truth, that was sent to them yesterday XX/XX/XXXX, the Affidavit stands at truth as an Affidavit that is uncontested, unrebutted, and unanswered stands as truth and the unrebutted Affidavit becomes the judgement in commerce [ United States v. Kis, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XX/XX/XXXX XXXX ]. Therefore as a consumer I am now demanding that HMC Group zero out the balance of this alleged account and delete any and all references to this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX Transunion : XXXX has violated my rights USC 1681 section 602 states that i have the right to privacy.

15USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The late payment is inaccurate and needs to be removed.

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 2017-10-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX wrongly reported to XXXX XXXX sale of vehicle XXXX, same year my hubby XXXX XXXX ... Having Asked both XXXX & equifx to remove from hard inquiry % acct as My son was to purchase for me but before any papers were signed, As we sat there, I called him to relate fees, finding he could not help me trade in my 15 yr ole ' XXXX XXXX XXXX So NO papers were signed. Papers were wronlly sent to XXXX. 
When Contacting XXXX in XXXX, they say they have no acct # yet they do not cancel here in my XXXX acct. last wk, reporting again to XXXX XXXX, both are off my XXXX acct. but not eXXXX.etc.. I pray I may be able to get a small loan to purchase a new home when I find the right one. & trade in my now 17 yr ole ' van..I Thank You. 

What I owe now & diligently paying on is for having improved a home I was lied to about condition on purchase, Because of seriously repairing & $ conditions, my ins. co dropped me, credit was damaged etc. & & i am still paying for w/my good XXXX Have Up graded & Sold that unloved house & purchased a lesser value home..Please help clear my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: TX
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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2017-10-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
on XXXX a woman holding a drivers license, with my name and addresss, who 's Number that did Not match my number along with a Social Security Card, That had my name on it, But the number was not correct, went into One Main financial business office and took out a loan for XXXX. This was reported against my credit and had nothing to do with me. 
I met with the NJ district manager, XXXX XXXX, who showed me these documents and i told him that these artifacts did Not Match mine.. but yet this loan went against my credit. I am working hard to improve my credit and this is quite a blow. 
OneMain did not do their job in my eyes. They checked the name, address, place of business only. 
this is a gross injustice. to make matters worse, when i contacted the number to One Main that was provided on my credit report, they said they had no account under my name. i only found out about the theft last week when the account became delinquent. 
Please let me know if there is anything you can do to help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Experian Information Solutions Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
Unable to obtain credit report from all four known credit reporting agencies or even one : : It is my understanding a copy of my report is free of charge

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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XXXX XXXX : {$1800.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX  XXXX XXXX XXXX : {$2800.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX : {$1000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX XXXX XXXX : {$160.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.

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 2018-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an outstanding CC balance with XXXX XXXX that has been entered into a debt settlement program with XXXX XXXX XXXX. XXXX XXXX has turned this debt over to Portfolio Recovery who has been calling my phone at least 5 times a week over the past 3 months, usually during the week and sometimes on the weekend, but has yet to leave a voicemail. I know it's them because the debt amount to XXXX XXXX has shown up on my credit report with their name. EVERY TIME THEY CALL IT'S FROM A DIFFERENT NUMBER!!! I'm not going to answer phone numbers I don't know, especially not while I'm at work, but I consider this harassment because they NEVER leave a message. If calling me is so important to them, then why no message? This is absurd and I want it to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent a letter to this company to remove a unauthorized inquiry that was made without my consent, nor did I receive or apply for credit with this company and they have not sent me any proof of such request and failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize account or inquiry

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