BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
EQUIFAX is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent EQUAFAX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was sold to another company unable to reach them for the account number in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XXXX XXXXXXXX XXXX XXXXs and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX Credit Card XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Equifax XXXX XXXX Banks and XXXX XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CITIBANK, N.A.
State: GA
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:
Hello Consumer Financial Protection Bureau, I purchased an item from an online vendor using my Costco Citi Visa Card, and the product was defective. I returned the product to the vendor, and I have yet to receive a credit. I was told by Citi the dispute was originally denied because the vendor said the charge was authorized. This rebuttal is unacceptable because I had to PRE-PAY for the online purchase prior to ship. After receiving and using the hair wand, it smoked and nearly caught my hair on fire, which was the basis of the return. 

This dispute has been on-going since XXXX, and the vendor is in possession of the return. I have called in numerous times to Citi, and today they claimed they still do not have my rebuttal re-sent to their requested email address back on XX/XX/XXXX. Unfortunately, I have learned these inefficiencies are because they farm out their disputes to an outside vendor. I called back to report my dissatisfaction, and I spoke to XXXX at Citi XX/XX/XXXX at XXXX EST, and she said the disputes department is currently shut down so open disputes are not being addressed/processed at this time. This is not acceptable because Citi has my money, and the vendor has the returned defective product. Failing to address disputes because the department is " shut down '' is not acceptable. 

Thank you, XXXX XXXX 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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I recently obtained a copy of my credit report and noticed some inaccurate information. XXXX XXXX XXXX is reporting a debt that I owe ( XXXX ) in the amount of {$250.00}. I have never had any accounts with this creditor and have made several attempts to clear the matter with the company. The company has not provided any proof that the debt is mine and refuses to correct the information on my credit reports.

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 2016-02-06
Company: EMBRACE HOME LOANS
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I received an unsolicited loan offer in the mail and noticed a statement at the bottom that appeared ( but did not state so ) to be a consumer warning that offered an opportunity to opt out of unsolicited credit offers. When I called the number, the short message sounded official but I was immediately asked to enter my social security number to proceed. I did not because the recording did not identify who exactly I had called.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2017-02-07
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account in collections with Optimum Outcomes. I paid the account and they continue to report the unpaid balance on my credit report. This has caused a negative impact on my credit score and report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to get debt letters from a company called convergent outsourcing inc account number XXXX that I have no knowledge of. It appears to be from XXXX and I have never had a XXXX account. I have attempted to dispute with credit bureaus but it does not seem to have made any progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Firstsource Business Process Services, LLC
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Took out a loan thru the school now I found out the school has closed and I am unable to continue earning my XXXX degree. My credits will not transfer and I am stuck with the bill they did not offer me any refunds

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: CMRE Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To start off with I checked my credit report and got a notice of collections saying I owe {$730.00} to CMRE financial services which contains medical bills but I was XXXX for over XXXX at the date of the collection. My medical is completely covered by XXXX XXXX and I go to a on base facility. I 'm not paying for a bill that I never incurred let alone never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They paid almost {$1700.00} our of our escrow and misapproriated the funds. They claim we are getting a refund from whoever they sent it to, and then want us to mail it to them even though we should be overpaid on our escrow. They had over {$2000.00} transferred from XXXX XXXX, our payment is $ XXXX+ and we've been paying {$1200.00} & {$1200.00} & {$1500.00}, so the difference is in our escrow and they should have only paid out {$700.00} plus {$3300.00} for taxes and insurance. Where is our money? Who is using it?

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 2020-03-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF EXPERIAN

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 2020-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
PLEASE DO NOT LIE AND CHEAT REPEATEDLY. PLEASE SUBMIT THE RESPONSE IN THE CFPB PORTAL. ( Attaching a recent utility bill for identity ). 
Account No : XXXX My name is XXXX XXXX. I live in XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My home phone is XXXX. I am the one who launched this complaint in CFPB. I have been following up with Bank of America on this issue for a year now, but Bank of America had not responded. Bank of America closed the complaint without responding to my concerns in the CFPB portal. Please answer the following questions in the CFPB portal. Please do not cheat me. 

XX/XX/2018, the XXXX ( XXXX ) XXXX and XXXX XXXX entered my home, violently attacked my children, left a XXXX, and stole my sons XXXX XXXX. On XX/XX/2018, the XXXX and XXXX XXXX  told me twice that XXXX XXXX and XXXX ordered the attack. The attackers also said they have been monitoring my home for months. I have been paying promptly. I explained the XXXX retaliation situation many times, and I always said I would pay and asked for time. I also mentioned that the XXXX case is ongoing in EEOC. 

Sunday, XX/XX/2018, in-humanely XXXX XXXX and XXXX attacked my son, left a XXXX, and stole his XXXX XXXX. The next day, Monday morning, when my son went to school ; the school said that his XXXX XXXX license plate is cancelled. I dont know how Mr XXXX XXXX school knew about the license cancellation very quickly. 
I have invested over {$26000.00} in my sons XXXX XXXX. I have been following up with Bank of America since 2018 on this incident, but no response. I financed my sons XXXX XXXX through Bank of America ; does Bank of America have the policy to send XXXX and XXXX XXXX, take my sons XXXX XXXX without any notice, and violently attack my children? 

What happened to my {$26000.00} investment? 
Which policy allows Bank of America to send XXXX XXXX and XXXX to take my sons XXXX XXXX without any notice and attack him? 
Does Bank of America have the policy to monitor my family? 
I always said I would pay. I want my sons same XXXX XXXX ( XXXX ). I will pay the money. And I also want compensation for all the sufferings and losses we endured unjustly because of Bank of America 's violent act. 

Sincerely, XXXX 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 2017-03-04
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I am a XXXX and currently a graduate student at the XXXX. I was trying to book an Air BnB but was prompted at the end of my booking that it could not be processed. I was well under my credit limit and had just recently paid my Barclay credit card. I called Barclays on XX/XX/XXXX ( US ) and was told that I only had {$270.00} of credit available. I assumed that my card number had been compromised and unauthorized purchased had been made. However, the representative told me that my credit limit had been lowered by {$700.00} due to information they received on XX/XX/XXXX ; therefore they dropped my credit limit that day. The fastest response time I 've ever seen. It takes 45 days to get a response to a complaint. The said they send a mailing to my address on file and that would have taken 7-10 days. No call, no email, not express, and no XXXX message ; as I had been in contact with Barclaycard 's during that time via XXXX and they were accessing my account information. In the last two weeks, I had a reimbursement put on my Barclaycard that was {$900.00}. Nonetheless, the manager I spoke to said this was a 'credit ' and not a 'payment. ' As I explained, I am overseas and was trying to avoid the time-consuming hassle of getting the payment in cash depositing it in my XXXX and then transferring it to my U.S. bank to make my monthly payment. They said I still needed to make a 'payment, ' so I made my monthly payment as well. The same day they replied to my XXXX message complaining about the customer service was the same day they lowered my credit amount. Barclays had just received XXXX the monthly minimum the same month they reduced my credit by {$700.00}. I could have just as easily nickeled and dimed them with minimum payment or taken that 'credit ' in cash but I was responsible. I raised a fuss on social media and had my credit downgraded. My credit rating had been steadily rising in the last year to around XXXX when they decided to lower my limit. I have XXXX credit cards including the Barclay card with a balance of around {$450.00} and a previous credit limit of {$1600.00}. I also have student loan debt like everyone else. I 'm unclear what this credit report could have said when I have been on top of my payments, and my credit score has been increasing each month and each year for the past two years. My ability to access Barclay via the app for the last 7-10 days has been nonexistent or significantly limited en=ven though my app is up to date. My XXXX address is XXXX. XXXX XXXX XXXX. I am currently living at XXXX. XXXX, XXXX, XXXX XXXX. Any paperwork they have sent has not arrived and I have received no information via email, app, or 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 2022-09-04
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
DOESN'T RECOGNIZE RESET PASSWORD CANT SEN MONEY " PAYMENTS DENIED EVEN AFTER LINKED TO GOOD ACCOUNT NO SATISFACTORY HELP OR TROUBLESHOOTING ASSISTANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: CITIBANK, N.A.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My friend who visited me on XXXX used my phone while I am distracted asked my password PIN numbers, and ordered product XXXXXXXX XXXX XXXX, price and date was, Transaction date : XX/XX/2022, Transaction amount : {$550.00} USD, my friend used my XXXX account with linking citi bank debit card. 
And I tried to cancel whole order and dispute it after find out, but both XXXX  and citi bank customer service declined my request, that is why I am requesting to adjust from here. 

so please assist me with cancel this whole order and get full refund.

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 2022-09-04
Company: OneMain Finance Corporation
State: TN
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 to all involved. My credit file reports that One Main financial has pulled my credit which subsequently gave me an inquiry. I have not worked with one main in a while and feel that while I was recuperating from Covid, my account was susceptible to fraud. I have not requested a loan this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage with GreenTree Servicing LLC was {$620.00} for a year when it was modified and transferred from XXXX XXXX XXXX. XXXX XXXX, XXXX, I received an Escrow Account Disclosure Statement stating my mortgage will increase to {$680.00} for the following year. Then I received another Escrow Account Disclosure Statement XX/XX/XXXX stating my mortgage will increase to {$830.00} for the new year. The explanation I was given for these increases were there was a delinquency or deficiency escrow balance of {$6000.00} or more from my previous servicer- XXXX. I therefore requested, in writing on XX/XX/XXXX, that Greetree Servicing provide me with evidence of this delinquency or deficiency escrow balance from my previous servicer- XXXX. I have received several form letters from Greetree Servicing saying they are working on it with delivery dates of resolution that have not been kept. This will be my XXXX month paying the {$830.00} mortgage payment with no evidence to support the delinquency or deficiency escrow balance from my previous servicer- XXXX. 
Furthermore, my mortgage is HAMP loan and I have been with Greetree Servicing for a year. According to my HAMP loan agreement I am supposed to receive an incentive payment of {$1000.00} to my principle balance once a year after the anniversary date. I wrote a letter on asking for a written explanation of why I have not receive this incentive payment according to the Actuarial Payment History Greetree Servicing sent me on XX/XX/XXXX. I made my inquiry in writing on XX/XX/XXXX. I have not received an answer for either of these concerns as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bank sent a letter dated XX/XX/2021 stating that they created a CHARGE to clear a CREDIT on the account. Amount - {$550.00} Background : Received a discount offer from XXXX XXXX if I opened a credit card account. Opened and used card ( XX/XX/2021 {$490.00} ). Received merchandise. Received bill. Opened my online banking application and discovered I had a payee with the name of the bank on the bill. Payed the bill ( XX/XX/2021 {$490.00} ) Bought more items ( XX/XX/2021 {$86.00}, and XX/XX/2021 {$55.00} ). 
Received dunning notice for first amount ( {$490.00} stating that {$75.00} minimum payment was required ) Since I had made the payment and my bank statement showed it cleared, I ignored the notice. 
Started getting phone calls and voice messages requesting a {$75.00} payment. 
On { XXXX/XXXX/XXXX  payed {$100.00} } to attempt to stop getting the phone calls. 
In frustration with the calls and increasing fees, made a payment ( XX/XX/2021 {$550.00} ) Opened banking app and discovered that the account I was paying was for another account number, XXXX XXXX XXXX not XXXX XXXX - same Bank XXXX Synchrony. I was unaware it had been set up probably years earlier. 

Called customer service ( XX/XX/2021 ). The CS rep XXXX was very helpful, and was able to transfer the {$490.00} payment to the proper account, and remove all fees. 

I received a check ( XX/XX/2021 {$550.00} ) and deposited to my bank account. 
Thought we were all square and XXXX balance. 

The XXXX XXXX account is clear and at a XXXX balance. 

I have made over 16 calls to customer service, spoken with supervisors who could see both accounts and they do not understand why the " false '' charge was created. One of the phone calls I received, the very aggressive Rep told me to return the {$550.00} check or pay that amount. I told him, I did not owe anything. 

My bank even tried to help by supplying account data showing my payments to their 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