BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: Convergent Resources, Inc.
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:
XXXX XXXX acct # XXXX. For several years they have tried to collect a debt for a fraudulent account opened in Illinois. I have never been there much less lived there. I have endured collection agencies and submitted their so called fraud packet. Convergent Outsourcing is their debt collector. All say I either have to pay or submit a fraud packet. I have twice. I just got off the phone with a CSR based out of the XXXX. In frustration, I asked for a supervisor. He advised one was not available and simply hung up. Is this reasonable? I am trying to get a mortgage and this 200.00 fraud account is holding me up. Do I just have to pay because XXXX is big and can simply bully their way to getting money? For the record, I have XXXX other XXXX accounts that have always been in good standing.

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 2021-12-21
Company: EQUIFAX, 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:
As of XX/XX/2021, I mailed in a certified letter requesting results on auto loan in the amount of XXXX from XXXX. LLC.. Account # XXXX that Equifax claimed to have verified. it has been 60 days and I have not yet received a response letter. According to the credit law spelled out ninth Fair Credit Reporting Act, a credit reporting agency is required to respond to the consumer within 30 days. If they do not respond, within this timeframe, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Credit Technology, Inc.
State: VA
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:
Hello, Please see attached for the dates and name of companies that have inquires on my credit reports. I have disputed them with the creditors and credit bureaus with no resolve. 


XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CREDIT TECHNOLOGY INC XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX date : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CREDIT TECHNOLOGY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX CREDIT TECHNOLOGY INC ( XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a citigold account with citibank using the promotion code which was sent to me by citibank with promo code XXXX. Which states I will earn XXXX bonus ThankYou ( R ) Points after opening a new consumer Regular Checking account in The Citigold Account Package after completing 1 or more qualifying bill payments for 2 consecutive Citibank calendar months. After I opened the account I got the confirmation letter confirming all the promotional detail by citibank and stated I was enrolled in this offer. After I was enrolled in the offer, I contacted citibank several times and the agents all confirmed I was enrolled in this offer and repeated the condition for fulfilling the requirements and confirming I am eligible for the XXXX bonus thank you points. However, after I fulfilled all the requirements and contacted citibank again to check when I will received the bonus points, citibank agent told me I will not get any points since I was not targeted for this offer. Which is clearly not true as I spoke to several agents confirming I was eligible and enrolled in this offer and if I was not targeted they should have told me I am not eligible in the first place. Also, I had several citibank issued credit card offering thank you points and I am a member of thank you point account which I believe is the reason I received the offer and I applied for the account. I believe citibank has made a mistake and confused the customer and therefore should credit me the points I deserve since I fulfilled all the requirements for the offer.

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 2016-05-19
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX XXXX I applied for a Citibank XXXX XXXX XXXX with a XXXX bonus miles award after spending {$3000.00} during the first 3 months I have spend more than {$13000.00} during those 3 months however Citibank refuses to honor the bonus miles award claiming that the promotion is valid for new customers only. 
However there is no indication on the website about that : XXXX I have had a Citibank XXXX Credit Card before but it was cancelled in 2015. 
Thank you

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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These were used to make inquiries to my account that I have not personally applied for remove these Immediately Transunion : XXXX XXXX XXXX Michigan XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XX/XX/XXXX. XXXX XXXX XXXX bank XXXX XXXX XXXX financial XXXX, XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX credit / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reimbursement Division XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-12-21
Company: FinCo Services Inc DBA Current
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The savings pods advertise daily interest payments. My account has been open and funded for a month and no interest payments have been applied. Interest advertised at 4 % APY up to 2,000 $ per pod, and up to 3 pods per account. 

After contacting Current, they said : Only a random group of participants have access to the Beta version of our Interest feature at the moment. Unfortunately, were not able to include you in this group, but well make sure to let you know when were planning to roll it out for everyone. 

Weve launched a Beta in which select Current members can earn Interest on their Savings Pod. Theres no minimum balance required, and once you qualify, tap Enable when viewing an existing Savings Pod or creating a new one. 

Advertising : hXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My wallet was stolen in XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.

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 2016-07-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Attempted to cancel credit card and was given a constant run around. When asking to speak to a supervisor they told me he would call me back in 24 to 48 hours. When I said just cancel my card and they said the annual fee payment still had to paid but it would be refunded in 60 day via a check in the mail. The wait times were on the order of 30 to 45 minutes. This was the Citi Bank call center in XXXX, XXXX. After asking for the name of the agent I was then told they could send me a refund check in 2-3 days.

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 2021-12-21
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My last claim number is XXXX. I have not been contacted since XXXX by the support team. No one followed up and asked for anything. I tried to get in contact with Coinbase. No one responded. I lost my money without authorization from Coinbase. The platform is not safe. I am going to share my experience with everybody and the media if the problem is not solved. Please solve the problem and refund as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Advanced Resolution Services Inc.
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: Reporting company used your report improperly

Complaint:
I placed a formal request to place a security freeze on my consumer disclosure report with the company. as per FCRA, 15 U.S.C. 1681, et seq. FCRA 602, 604A ( 2 ), 605A ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

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 2021-12-21
Company: Experian Information Solutions Inc.
State: NY
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:
they are reporting that I am late where i sent supporting documents and the company did too. I have spoken to a representative they advised me that noone is really taking the time to research the account. Attached is proof and my ID

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 2021-12-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
We sent a check with the amount of {$5100.00} made it out to XXXX XXXX and XXXX XXXX via the post office, and the check was stolen. The name on the " pay to the order of '' was changed to XXXX XXXX XXXX and the check was cashed. We contacted Chase fraud department and reported the problems since XX/XX/2021. They told us that the stolen amount would be credit back to our account within 30 days after an investigation. We didn't received the credit after 30 days as indicated so I went out to the Chase branch and discussed with them our problem. The branch contacted the Fraud department was told that the credit would be returned within a week. Until now we still have not received the credit for the stolen amount and it has been more then 6 weeks since we reported the issue to Chase. I have tried to contact the Fraud department multiple times but the wait time is usually more then 30 mins and often time the line got disconnected prior to someone picking it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Debt Collector for LVNV Funding several years ago and in response within 30 days requested validation of the debt. LVNV has never responded or provided requested validation in accordance with the Fair Debt Collection Practices Act and continues to report to all XXXX Credit Reporting Agencies that the Debt is a Collection Debt. In accordance with the FDCPA this reporting and all debt collection actions was to cease until LVNV provided the validation. The debt is now time barred. I contacted the Credit Reporting Agencies and they will not remove the collection action even though it vioates the FDCPA and is time barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XXXX settled discharged mortgage is illegally in the hands of PHH and or XXXX Mortgage XXXX. I requested a complete transaction history, itemized pay-off. I also requested information all the many years there was no communication from this mortgage servicer. I want to see their records to see if it matches my records. I want to see the history for any discharges, charge/write-offs from previous servicers. I believe this company is following illegal processes. They seem to be disguised under several different names such as ( XXXX XXXX ) XXXX, PHH and XXXX. They all seem to be one in the same. I have also been advised to reach out to the Attorney General to have him/her investigate the practices of this company. They are illegally attempting to collect on a mortgage debt that has already been settled with another servicer. I believe these illegal practices and needs to be investigated.

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 2016-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I received a line of credit from Bank of America in XXXX they originally solicited me for the loan due to increased equity. Without inspecting, they appraised my home at {$310000.00}. Would have been {$180000.00} only months before. I took the line of credit, intending to finish my remodel, pay off existing debt, and have a financial cushion. Planned to sell the home in XXXX when my son graduated. Real estate bubble burst, I was stuck. Continued to pay interest only, never missed a payment. In XXXX XXXX, contacted by bank, reminded that line of credit becomes conventional loan in XXXX. I said I needed to have help, did not want loan to be more than actual value of house. Directed to a mortgage relief department at bank. Absolutely terrible customer service, numerous times told that they had not received documents that I had sent. Knew that was not correct, because then they would give me info that I had supplied. Finally got a good case manager in XXXX XXXX, learned that the program I was referred to did not address principal reduction, even though that is what I requested. Also learned about the Bank of America Department of Justice settlement, something bank was doing while I was going through wrong process. I have since learned that this pattern of dragging feet and claiming missed payments has been documented at Bank of America. I do not know why I was not included in DOJ settlement. I did receive a notice from Bank of America in XXXX of XXXX congratulating me that the value of my house had increased. The value they gave me was inflated and I am guessing they used that to not include me in the settlement. Even with their inflated appraisal, combined mortgages were greater than appraised value. Key issues : told bank of America in XXXX of XXXX that I needed principal reduction. Was not informed of DOJ settlement, and instead sent into a process that would not help. In that process, experienced Bank of America 's documented malfeasance toward addressing my need. Not until XXXX of XXXX did I get a hint about DOJ settlement, still had to do all research myself. I believe that I should have been included in the settlement. This loan began as line of credit, becomes conventional loan in XXXX XXXX. Payment increases by {$1000.00}. My current income is {$3000.00} per month. Additional info : my daughter and her family now live in the house as I am working out of state. She helps with costs, but no rental agreement. My intention is to return to house in retirement.

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 2017-01-27
Company: CITIBANK, N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX, I opened a Citibank account to take advantage of a checking account bonus offer. I funded the account with XXXX dollars on XX/XX/XXXX, and I maintained this balance for 30 days per the terms and conditions of the promotional bonus. 

XX/XX/XXXX, I contacted Citibank because I had yet to receive my bonus. An investigation was initiated and by XX/XX/XXXX I was told that I had completed all the requirements and I need only wait until XX/XX/XXXX ( 90 days after the initial 30 days ) at the latest to receive the XXXX dollar bonus. I did not receive my bonus, and I contacted Citibank again, who initiated another investigation. 

A few weeks later, I was told again that I had completed the requirements for the bonus, but now I was told that I had not submitted the necessary tax documents, XXXX, and I should contact the branch where I opened the account. I had submitted the tax documents XX/XX/XXXX, but I contacted the branch to correct the tax information and submitted the documents. This was done on XX/XX/XXXX. 

After another week of waiting, I was told by the branch manager through email that I would need to wait an additional 90 days to receive my bonus. I immediately responded to inform her that the terms and conditions and tax letter I received made no mention of any requirement to wait an additional 90 days. The branch manager has yet to respond even after I have contacted her three additional times. 

The branch manager and bankers at the branch refuse to speak to me. This is unacceptable. Citibank has violated its terms and conditions regarding this bonus, and I expect full credit of the XXXX dollars 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 monetary relief
Consumer complaint received 2021-01-25
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: Investigation took more than 30 days

Complaint:
I'm filing a complaint against Equifax, XXXX, and XXXX because they are not complying with their own policies in a timely manner. The letters attached is my third round of letters, I've sent all three without any response and it has been over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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: Investigation took more than 30 days

Complaint:
I'm filing a complaint against XXXX, TransUnion, and XXXX  because they are not complying with their own policies in a timely manner. The letters attached is my third round of letters, I've sent all three without any response and it has been over 60 days.

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