BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CITIZENS BANK BROKE THE LAW AND COMMITTED IDENTITY THEFT!!!!! PLEASE READ! 

Citizens bank has broke the law and continues to violate my federally protected consumer rights under the FCRA AND FDCPA. On XX/XX/2022 XXXX XXXX stole my vehicle through an illegal repossession by XXXX XXXX XXXX XXXX XXXX XXXX on behalf of Citizens Bank. I never signed any contract with XXXX XXXX XXXX  or XXXX XXXX. I never gave consent for Citizens Bank to share my personal information with either of these companies. No consent is IDENTITY THEFT! Not only did I not give consent to share my information but upon doing research into XXXX XXXX XXXX I found that this company runs skip traces on consumers. I have provided a copy of the " alleged contract '' and no where in it does it mention XXXX XXXX XXXX XXXX XXXX or being subject to a skip trace. After this direct violation Citizens bank failed to send proper notification of repossession, notice of sale and the deficiency notice to me which they admit to in a letter I attached. In a letter I have a attached from XXXX XXXX she states that the vehicle was repossessed on XX/XX/2022 but I have provided proof from XXXX XXXX that the vehicle was in fact repossessed on the XXXX. In a letter I have attached XXXX XXXX shows a call on XX/XX/XXXX in which I spoke with a representative. That was the day after repossession and I gave the agent my updated address which was XXXX XXXX XXXX XXXX, XXXX XXXX. I have provided proof that citizens bank did in fact have my updated address from a letter sent pertaining to a copy of the " alleged contract '' I requested. I have become aware that Citizens Bank was involved in a class action lawsuit for failing to send proper documents to consumers. After filing a complaint on citizens bank they responded with a letter I have attached and demanded payment. In this letter they state that they are attempting to collect a debt but do not give notice that I have the right to dispute the alleged debt. In this letter they mention XXXX XXXX XXXX. Again Citizen 's Bank has committed identity theft by sharing my personal information without my consent. In the " alleged contract '' provided I never signed anything with XXXX nor are they mentioned. In this letter Citizens bank tries to collect two different amounts {$9500.00} and {$7400.00} but neither of these numbers reflect what's being reported on my credit report. Citizens Bank is in direct violation of my consumer rights and should be held accountable. XXXX XXXX states that Citizens bank must adhere to the fair credit reporting act but they are directly in violation of the law. I never gave written consent for this trade line to report in the first place nor was I given notice that I had the right to keep my information private. I believe that Citizens Bank committed conspiracy to keep required documents from me as well as produce fraudulent documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I lost my card ending in XXXX. Western union pp card rep told XXXX I could buy another card at XXXX and attach the card to my XXXX account which has a XXXX monthly fee and overdraft protection. I wanted access tomy account but they said I had to transfer the money and only XXXX a day which I thought was strange since the accounts were to be linked. I then noticed that every time I made a purchase they would charge me XXXX dollar I called back and after being on hold for 45 minutes I was told that my fee plans from the XXXX account was now attached to new card XXXX. I learned the next morning that I was charged another XXXX fee and that I would not be able to access my funds until XXXX XXXX when a replacement card arrives. This is created a hardship for me. If only I was given the correct information then I could have made a more informed choice I feel like western union netspend is taking advantage of me holding my money and XXXX charging me fees. They ensured me the cards linked to my XXXX account and thatmy employer direct deposit would be available on the XXXX card. When I talked to XXXX in escalations she informed me that it was XXXX accounts and all information told to me on the XXXX prior calls was incorrect and all she could do is reprimand the XXXX reps and forward my request to corporate when I said I will file this complaint I am still without access to my money during the holidays when my grandsons are here. I would like my money to be in XXXX and a XXXX fee credit then I will remove my money and seek a more truthful company to handle my money with our hidden and excessive fees and lying customer service representatives and a more caring escalation team providing real customer services keeping the customer satisfaction as a top priority.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Approximately a year or so ago I was in XXXX and upon going to the cashier to pay for a high price item I was persuaded to take advantage of a zero interest promotion. I was not inclined to accept as I generally prefer not to have credit cards and this may well have been my first. Needless to say the salesperson was very convincing in making it quick and easy including paperless statements and auto payments. About 6 months ago I received a letter in the mail advising that XXXX were no longer associated with Comenity ( the credit card company ). About a month ago I got an email regarding being able to see my credit report and to my surprise my credit had been significantly affected but I did not know why. Upon research I found out that I had a significant outstanding balance on the XXXX  card and upon enquiry found out I had been charged significant interest from the inception of the transaction. I was totally shocked as this had never been brought to my attention nor being informed of an expiry to the promotion period. Surely there is a consumer right to be adequately informed of such prior to charging excessive interest through a written notice or telephone call rather than purposely letting it lapse and letting time go by including credit impacts and taking advantage of consumers. It is just not fair and a blatant cynical practice to take advantage of consumers. Your assistance would be greatly appreciated in the interests of many people who are being abused through these practices. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The credit bureau Experian, Equifax XXXX & Transunion has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section XXXX & XXXX. Experian, Equifax, & Transunion has violated my consumer rights by not adhering to the law, XXXX XXXX XXXX XXXX ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an XXXX having authority to administer such oath. Experian, Equifax, XXXX Transunion failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section XXXX ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than XXXX business days after the date of the receipt by such agency of- ( XXXX XXXX appropriate proof of the identity of the consumer ; XXXX XXXX XXXX a copy of an identity thief report ; furthermore, under the FDCPA section XXXX states if the consumer notifies the debt collector in writing within the 30 day period described in subsection XXXX a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 



I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.

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 2020-03-03
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/20 I tried accessing my account with Coinbase and could not. I created a ticket with them the same day. 
It is now XX/XX/20 and I have not been given access to my account..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
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 XXXX XXXX XXXX, OH XXXX This is in regard to the following account numbers : XXXX XXXX XXXX I disputed this account with the company and a letter was sent back from there office that they could not locate the account on file and are asking me for more information. I demand that since they clearly could not locate the account, this account needs to be removed from all credit reporting agencies immediately. I demand this be removed just from their response alone. their time to locate the account and validate it was used and they responded with their findings, with that information I demand removal from my file asap. 

This is direct response from the company " XXXX tracks all accounts utilizing the primary borrowers Social Security number and/or the complete account number. Based on the information provided in the complaints, we were unable to locate the corresponding 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 non-monetary relief
Consumer complaint received 2022-02-26
Company: Block, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My money was stolen by a duplicate/ copycat website and cash app simply Said it was irreversible and they open a claim and closed it right away and I had no idea I open a claim and now its close. so I didnt even get a chance to state my case thanks for your help. The total amount taken was almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I DISPUTED A COMPANY ON MY REPORT CALLED XXXX. I HAVE NEVER HAD THIS CREDIT ACCOUNT. I CHECKED MY ACCOUNT AGAIN AND NOTICED EQUIFAX CHANGED THE NAME TO XXXX AND THEY WONT DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Other fee

Complaint:
In XXXX XXXX, I received a flyer through the mail from Citi Bank offering their Double Cash MasterCard with 0 interest on all purchase balances for 18 months. I applyed on-line and my first billing period ended XXXX XXXX, XXXX. I calculated that the interest-free offer would end with the XXXX, XXXX billing cycle. On my XXXX, XXXX statement there was an interest charge for {$64.00}. I contacted the bank and was told the offer had ended XXXX XXXX, XXXX. I was informed I needed to produce the flyer as proof that the offer was for 18 months. I had not saved it. But I had agreed on-line to the terms and conditions of the offer at the time of application. I was unable to access a copy of those terms on the bank 's website nor was the customer service rep able to tell me how I could obtain a copy of the agreement. After 4 phone calls to Citi Bank, I was told a supervisor would call me back in 2 to 3 days. That has not happened. I feel Citi Bank 's advertising and business practices are deceptive. The bank should clearly state the expiration date of their offer when the card is initiated. The customer should be able to view the terms and conditions agreed upon. The bank should issue a timely alert that the offer is about to expire, so that the customer has an opportunity to pay off the balance without an interest penalty.

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 2022-02-26
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX XXXX, I have an account with coinbase that is frozen from XX/XX/2021, what happen was that due a XXXX I had to fly to XXXX to see my mother that was sick, at the entry I was put inXX/XX/XXXXdue to XXXX security issues. And I wasn't able to keep my personal item including my phone without any explanation from the authorities in XXXX. 
Someone unknown had access yo my item including my phone and tried to open some of my personal account and coinbase was one of the affected account, After a couple days I recovered my personal item And phone and I saw an email from coinbase telling that my account was restricted, as soon I read the email I get back to home country ( USA ) to resolve the issue, by that day I was permanently of the United state, and at this moment I'm a united states citizen, at the first time they asked to provide information and documentation to proof my identity, I sent them all information, they wrote me back a couple months later by email telling me that they received the information and the investigation was ungoin, has been 11 months and nothing yet from them... 
I provide them everything that they asked me but today is XX/XX/XXXX, 11 months waiting for a resolution and not answers yet from coinbase..im asking them to take step in this issue and provide me with a resolution as soon as possible..thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since the transfer of this mortgage ( XX/XX/XXXX ) from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX representatives have not assisted in the following umbrella of Hazard Insurance requests. Received another letter dated XX/XX/XXXX. 

( XXXX XXXX Their first communication to mortgage holder was not a introduction or mortgage statement, but a request for hazard insurance - XX/XX/XXXX. There are many types of hazard insurance, mortgage holder was unsure which XXXX. This was not requested by XXXX, or XXXX XXXX XXXX. Mortgage holder sent multiple written requests for clarification. It took XXXX XXXX over a year to address the request for clarification. 

( XXXX ) In the interim, XXXX policies related to the XXXX hazard insurance was sent to their vendor - XXXX. XXXX was the first point of contact, and then XXXX. Not only were the policies faxed, emailed ( XXXX ) and discussed over the phone with this company, mortgage holder requested that vendor communicated timely with Gregory Funding. Fax was sent to Gregory Funding as well for a hazard policy that expires XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). Letters persists without response to ALL hazard insurance related written letters. The company consistently denies mortgage holder opportunity to discuss these issues since XX/XX/XXXX. Mortgage holder called again in XX/XX/XXXX and was denied assistance by XXXX of customer service. 

( XXXX ) Per loss mitigation file with HUD agencies, declaration page of both homeowner 's and XXXX insurance XXXX XX/XX/XXXX & XX/XX/XXXX ) were submitted. 

( XXXX ) Called XXXX and spoke with head operator who connected call to XXXX XXXX, head of XXXX XXXX, left a voice message. Awaiting call back. Operator Sup researched the email address ( XXXX ) and stated email shows associated web developer 's name. Head operator called to reach XXXX, XXXX rep, no answer. Mortgage holder was transferred to XXXX 's voice mail, left a message for XXXX, no response from Candy or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank had a promotion to give you XXXX if you deposit XXXX and not use it for 90days. the 90 days is up and I am having a problem getting the XXXX dollars added to the 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 2017-03-19
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Billing statement

Complaint:
Received a call from Citibank regarding a Citibusiness credit card. XXXX payment was not made 10 days ago. I checked and I never received a statement. I asked them to verify where the statement was mailed. The address they gave me was from 3 1/2 years ago. I have been receiving all my statements at my current address prior to this. I authorized payment for the amount they needed to keep my payments current, now I am in the process of disputing the late fee and extra interest they charged me as well as trying to get a copy of the statement I never received. This is such a bad practice especially when it seems to be done a XXXX end for most businesses and there is no logical reason that my address would be changed back to XXXX I lived at 3 1/2 years ago.

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 2022-02-26
Company: OneMain Finance Corporation
State: CA
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:
This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
They accepted my deposit but tell me have company do stop payment they are n't closing my account as instructed or giving me my money XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez/Shellpoint continues to collect PMI insurance on a mortgage that has clearly crossed the 70 % threshold ( as an investment property ) required for it to be removed. Based on the documents attached, you can see that the math they are using to support their findings is fraudulent. THEIR appraisal of the property is {$330000.00}. The balance is {$230000.00}. Mathematically, that is a 69 % LTV. The most recent call of XX/XX/XXXX @ approximately XXXXXXXX XXXX  ( which the recording should be reviewed ) was immediately after receiving a denial letter ( attached ) quoting a 70.11 % LTV, which was the actual ratio from XX/XX/XXXX.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: PA
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 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