BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: Netspend Corporation
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XXXX of this year I received a XXXX check from the IRS, not knowing what it was for I contacted the IRS. I was told.it wasn't a mistake and the check was for the check tax credit. They then asked how many payments I have received. I said just 1 check. At that time the IRS agent informed me that 3 payments were sent to a netspend card and the account number ended in XXXX. I then contacted netspend, I was told someone transferred the money off my card onto ANOTHER card in my name. I IMMEDIATELY asked to dispute this transfer as it was not me and I was not.in possession or control of either of these accounts. I asked that I receive a provisional credit and I waited for 14 days for an update, only to be told they found no errors because the person who did it was able to answer my security question that was ( what is your dad 's name ) this blew my mind. I was so.upset at how this was handled I then contacted my local police department to file a report and get help. After contacting nwtspend to ask that they reopen my dispute. They said I had to.wait 7 to 10 days to get and call back and ask them to reopen my dispute. I am.up in arms over this and I need my money back. I have offered to send a picture of my license so they could check ATM pictures and see this was not me. I want netspend to reopen this dispute and issue me or Provisional credit.

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 2021-12-15
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Over the course of 3 months there has been multiple fraudulent charges made to my account. I have requested PNC Bank close my account, or change the account numbers on my account. They will do neither. My balance was positive, and they still will not close the account after asking multiple times. Due to fraudulent activity along with the issue of charges processing multiple days after posting to the account, and charges reversing just to be recharged and concur fees associated with said charges I do NOT want an account with PNC any longer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-01
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage through the Loan Depot company. My agent 's name is XXXX XXXX. I was told via text message that I was disqualified. The agent said the underwriter when I called. because no one sent me any info about my reason for denial except in a text message I called their customer service number and the XXXX said my application was never processed. Now my credit score is lower and interest rates are 2 % higher. I applied on the XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I mailed a  Multiple Inquiry Removal Letter  by mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. As soon as they received the letter The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According  to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be i nvestigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my c letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that doesn't belong to me or I never authorized. I notified my aunt whom is a lawyer and she instructed me to follow these steps by filing a complaint. So far no action was taken by the companies as of yet.

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 2017-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. I have sent all the information requested in order to have fraudulent accounts removed. I have provided police reports, Identity Theft Report, and documentation that several accounts and address on my report are fraud. I have followed al l protocol provided by the FTC to handle Identity Theft. I still have accounts on my report that not been blocked or removed according to section 605B of the  Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Lendmark Financial Services
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Lendmark Financial Service. is in violation of 15 USC 1692g, 15 USC 1692j and 18 U.S. Code 241.Lendmark Financial Service , unlawfully with out a court order or proof of claim arbitrarily deprived me of my property without due process of law. The  seizure  of my property without a warrant and without a court order is a violation of FRCP rule  41 and 18 U.S. Code 983.      I was never personally given any loan fr om Lendmark Financial Service and was never given any accounting or receipt disclosing the transaction which took place between Lendmark Financial Service and the seller. After further discovery I have learn that Lendmark Financial Service used my identity to   obtain a fraudulent loan from   XXXX   XXXX   XXXX   XXXX  . Therefor e Lendmark Financial Service is not the  holder in due course, which would explain why they could not provide validation for the allege debt.     It is more then clear that  Lendmark Financial Service  has committed fraud being that  Lendmark Financial Service is a Co rporation and corporations or banks can not lend credit and that  Lendmark Financial Service pro vided false representation to the credit bureaus which is defamation of character, for a loan that never existed. Due to the fraud committed by  Lendmark, my  property was stolen from me unlawfully, I have been denied credit based off false information and been the victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: TX
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 always pay at least {$100.00} more than my interest payment monthly and for the past year my balance has stayed the same. I think I 'm getting ripped off, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I withdrew {$2800.00} cash from a local  US B ank branch to take to another local bank to make my mortgage payment. The teller was  XXXX . When I arrived at the other bank,  XXXX   XXXX   XXXX   XXXX , they discovered that  3 o f the {$100.00} bills were probably counterfeit. They confiscated the bills to send into the authorities. I contacted  US B ank from that bank to notify them tha t 3 of t he bills they gave me were counterfeit, and I filed a police report at the local police station. After a few conversations back and forth, the  US Bank branch manager at that  time,  XXXX , assured me I would be reimbursed for the lost funds. The bank teller,  XXXX , said that they periodically scan currency for counterfeit, but rely on the tellers to quickly identify counterfeit bills because they " do n't have time to scan all the money that comes through the bank ''.      XXXX   XXXX   XXXX   XXXX  has recently let me know that the bills were indeed counterfeit, and yesterday the new  manager,   XXXX , at the  US Bank b ranch told me that they have no way of knowing whether I switched the bills with counterfeit bills between banks. They have no accountability for replacing the lost funds because, once I left the bank, I accepted full responsibility that the currency I was real money. In essence, they are accusing me of money laundering. In all my life as a mom, grandmother and an   XXXX   XXXX  , I have never dreamed of being accused of such a thing! Please let me know if there any further steps I can take to get reimbursed from the bank, or at the very least to warn others to have their money scanned before leaving the bank.

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 2017-04-21
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Th  e day before my Salliemae student loan payment was due I contacted a rep to discuss the impact on my account of making my payment at the end of the month rather than the middle for just that one month. The rep indicated it would be no problem, but that I still may get " a call '' each day from Salliemae until I made my payment. I understood, requested my account be notated accordingly, and hung up. For two weeks I endured numerous calls per day ; I lost count at six calls one day, which was the norm for the number of calls Salliemae made in an effort to collect a debt that had a due date that had been arranged and had not come up yet. I was also contacted by e-mail, which indicated my " loan ( s ) require [ d ] [ my ] attention. '' When I contacted Salliemae to discuss how harassing the calls were, I was told Salliemae was perfectly within the bounds of the law on their manner of contacting me under the circumstances with up to eight ( 8 ) calls a day, seven days a week. I was told this by a supervisor, who was rude and argumentative and whose badge number I notated, when I escalated my complaint.
After returning a collection call, within the hour the calls would resume, and every call to me was made without properly identifying their company via caller ID.
It 's a violation of federal ( 15 U.S.C. Subchapter V 1692 ) and state law ( California Civil Code 1788.11 ) to perform collection calls as they did.
I feel like my actions were appropriate in communicating to Salliemae, with proper notice, that I possibly needed to make arrangements for an upcoming payment due date. An agreed upon date was notated and honored in a timely manner by me. The respective steps taken by Salliemae in response to the agreement was unlawful, harassing and completely uncalled for under the circumstances.
I 'd like Salliemae to acknowledge their actions as such and I 'd like the supervisor who claimed to be operating within the law to assure me that under like circumstances, what happened to me will never happen again, or to anyone with a Salliemae student loan.     Regards,  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
B ank of america has said that they cancelled the repayment agreement because I was n't paying. Well here is a copy of one  of the recent payments of the {$740.00} that I have paid. And  Bank of America d id n't apply it to my balance or payments or recent transactions on my statement. It will be check number #  XXXX  for the amount of {$740.00} on   XXXX    . This is proof that I have been making the payments that was agreed on.

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 2017-04-17
Company: Security Credit Services, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On  XXXX   XXXX ,   XXXX   ( via certified mail ), a letter was sent to  Security Credit Services  requesting documentation to verify the debt and prove my legal obligation to them for a debt they reported to the credit bureaus related toa certain account. I asked that all of the requested documentation be furnished with in thirty ( 30 ) days  of receipt of the requests, and I advised if they failed to provide any portion of the requested documentation, all references to the accounts would need to be immediately removed from my credit files and any further attempts to collect should cease.     On or around  XXXX   XXXX ,   XXXX  , I received an incomplete response from the company, and, as such, on  XXXX   XXXX ,   XXXX  , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial requests and all references to the accounts needed to be removed from my credit files immediately.     To date, the company still has not complied with my initial request and has not removed this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am receiving letters and telephone calls of harassment, obscene and profane language, violence, harm and death from LVNV Funding/Resurgent Capital Services Debt Collector Representatives in regards to credit card accounts from XXXX XXXX XXXX which the debt was the result of identity theft. I sent a Federal Trade Commission identitytheft.gov form to XXXX XXXXXXXX XXXX  and LVNV Funding/Resurgent Capital Services , but I continue to receive letters, court documents and telephone calls of harassment, abuse, obscene and profane language, violence, harm and death from Resurgent Capital Services Debt Collector Representatives . Resurgent Capital Services has violated and in violation of the Fair Debt Collection Practices Act ( FDCP ) under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently noticed that I am a victim of identity theft. I have already filed a report with the FTC which includes the accounts and dates opened. Please help me rectify this situation as soon as possible.

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 2021-12-15
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX before making purchases I had a credit balance $ XXXX my actual purchase totaled {$590.00} Subtracting {$74.00} from {$590.00} equal {$510.00}. When I call the credit card it has my current balance {$510.00} / fine. 
There are items not received and some showed delivered that were not delivered. 
I will list all details : Order numbers and dollar amounts charged : XXXX {$320.00} I received XXXX {$110.00} XXXX received last XXXX items today XXXX = XXXX canceled XXXX = {$47.00} XXXX received XXXX XXXX / XXXX XXXXr was missing it was re-shipped / delivered credited & recharged XXXX {$21.00} XXXX received XXXX {$49.00} not delivered/ not received gift to other state Macys was to email me Papers on the mot received item. I made request twice still not received.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX. Acc # XXXX has violated my rights.15 U.S.C 1681 SECTION 602 A States I have the right to privacy. 15 U.S.C 1681 SECTION 604 A SECTION 2 IT also states a consumer Reporting agency can not furnish 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 2021-05-18
Company: EQUIFAX, INC.
State: GA
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 am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: GA
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:
I have received a copy of my must recent credit report, A public bankruptcy is being reported on my credit file this is inaccurate information. I have contacted each credit bureau with proof I DO NOT HAVE A BANKRUTCY. Experian XXXX XXXX XXXX stated the information was obtain from XXXX XXXX, XXXX XXXX and my city bankruptcy court have provide me with a letter stating I do not have a bankruptcy with them. 


I would like this Bankruptcy deleted off my credit file...

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 2019-12-21
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When we opened the business account XXXX we were told that there would be no fees associated with the accounts. The remote checking and the fee for having the account would be complimentary XXXX. However, we were assessed fees on the XXXX account every month. When I brought the fees up, the Citibank representative XXXX XXXX XXXX told us she would address it, but never did. Apparently, she left Citibank XXXX XXXX XXXX for another branch. I have talked and emailed XXXX XXXX, the manager at the XXXX XXXX XXXX branch, many times and received no resolution. 
I have gone physically to XXXX branches ( XXXX, XXXX XXXX, XXXX XXXX XXXX, spoke to multiple individuals over the phone and spoke multiple times on the citibusiness hotline XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, but received no resolution. I have multiple emails of me following up XXXX 
All the representatives from other branches have told me to go back to Citibank XXXX XXXX XXXX, which is where we opened the account but I am not located in that area. In XX/XX/XXXX2014, when I went to Citibank XXXX told me that I should be able to resolve the issues at any Citibank I walk into since it should not have to be a home branch. They made multiple attempts to resolve this from what XXXX told me, but XXXX XXXX and the XXXX XXXX XXXX district never followed up. It was not until XXXX/XXXX/2014 when I followed up with closing the account that XXXX XXXX made an effort and stopped the fees from incurring. 

I have spoke to XXXX XXXX, the district manager, on XXXX/XXXX/2014, who told me that it is my fault for not bringing up the fees with the accounts within a 3 month time frame. 
I work full time XXXX and help out my mother XXXX. I do n't have time to pursue this issue full time. It has been incredibly frustrating to have to go through so many individuals at Citibank and receive no resolution at all. My impression is that it is easier for Citibank not to reach any resolution in order to continue incurring fees onto the account. A resolution to stop future fees was finally made on XXXX/XXXX/2014 when I told XXXX XXXX via email when I asked for the account to be closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief