BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
My name is  XXXX   XXXX , and my bank number is :  XXXX  I have visited a website called  XXXX    XXXX   XXXX   XXXX  . It says : " free counseling online '', while in fact, it is a lie. It deducted {$150.00} from my debit card  three d ays after since I entered my bank account. I found the information about refund after being shocked at my bank account :  XXXX  :  XXXX  However, before I enter my bank account, I am not informed of it at all. I pretended I am a new customer and visited the website again. I found the member agreement does not mention the policy that is described in this website at all! I did n't know I will be charged after three days if I do n't cancel it and I can not get the refund because this website receives the customer that it 's free and does not mention the policy at all!   This company is :  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   ,    XXXX   Virginia

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 2023-11-20
Company: CITIBANK, N.A.
State: ND
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi has been lowering my credit limits for months and maybe even into a couple of years at this point. They're doing this to keep my utilization high, so they can keep my interest high. I suspect they're committing fraud against XXXX  of their consumers and they need to be investigated. Prime example, they close XXXX of my accounts and I requested they be reopened back in XXXX, they said it couldn't be done. Now they are saying they could have but it has been too long, and the two accounts I recently closed within the last two weeks could have been reopened but my utilization is too high. It is a never ending cycle with them. I have accounts with XXXX XXXX  and XXXX bank and neither has lowered my limits, not cut my cards off and my limits with them are XXXX the limits than with Citi. Imagine Citi forcing consumers interest up by XXXX percentage points, of their XXXX  credit card debt at $ XXXX, that's an extra $ XXXX per day in interest they can charge their consumers. This is disgusting, shameful and they need to be investigated for trying to bankrupt the American people.

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 2021-09-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed two Dispute Claims with TD Bank on XXXX.On both disputes I fulfilled requests by the bank to restore my funds.After I fulfil their initial requests, there is not more that I should be required to do under the circumstances.They submitted a letter in writing requesting that I explain the circumstances of the request for a refund on both disputes and I did.They requested receipts and I submitted receipts.When it appeared that the merchants had no grounds to recover funds from my account, TD bank summarily amended the requirements for granting my Dispute Requests for a Refund, transmitting additional requirements from their Legal Department that are unheard of by customers in Good Standing, suggesting Legal Action.They did this even after I asked them if they are recognizing who has their name on a TD Bank account.I asked them if they were equating my entitlements as a Bank customer as being inferior to that of the merchant/vendor of a Bank customer.On XX/XX/2021 they mailed me a letter denying both of my dispute requests arbitrarily and without consideration for the actual circumstances or my standing as a TD Bank customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30
Company: LEXISNEXIS
State: MS
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:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
On XX/XX/XXXX I paid {$15000.00} to XXXX XXXX. The contracted amount I was supposed to pay was {$9000.00}. XXXX XXXX XXXX had contacted me on several occasions to say additional work needed to be done. However, in none of these instances did he ever provide a written estimate for the additional work he said was necessary as required by law. Furthermore, because I criticized and called XXXX XXXX out for verbally disrespecting me for calling to find out the status of my XXXX XXXX that he had for over a month XXXX XXXX told me he would only accept a cash payment. XXXX XXXX charged me {$6000.00} over the agreed upon contractual amount. This is the amount being disputed. 
My complaint is against Navy Federal Credit Union for mishandling this dispute. The dispute was filed on XX/XX/XXXX. On XX/XX/XXXX I received a message from Navy Federal to upload supporting documents for this dispute and I did so that day. I never heard anything more from Navy Federal Credit Union. On XX/XX/XXXX I accessed the NFCU website to check the status of the dispute. The screen read there were no open disputes. I called Navy Federal and spoke with someone in disputes. She read through the notes and informed me she saw my documents uploaded and she also saw that the dispute had been closed. She saw no evidence that I had been contacted or notified at any time by NFCU. There was never a temporary credit issued. Disputes have a limited amount of time to processed before expiring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: PA
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 WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a debt that showed up on my credit report, that I do n't believe I owe. The company never sent me anything about the debt nor gave me a chance to dispute. I do n't know how they acquired the debt, but I do n't think it is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I constantly get the following message when I access my Capital One Credit card app : " Receive a statement credit up to {$100.00} on your next hotel booking through Capital One Travel. * '' Good until XX/XX/2023 I got the message today and when I called, I finally was told that the offer had gotten used up, that it is only good for a certain number of customers. 

When trying to book this travel, the system would not let me book the travel saying that my credit card information was wrong. I spoke Capital One, they assured me that the problem was fixed, they transferred me to their travel department ( this is a separate entity that does business as Capital One Travel. The inability to book the travel due to system glitches entailed multiple transfers from Capital One to Capital One Travel. Each time, they assured me that they would resolve the problem. After two hours of this, I was told that the {$100.00} offer was only {$25.00}. I have been a good customer of Capitol One, always paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I enrolled as a student with XXXX last quarter of XXXX. I went through the admissions process and became eligible to start classes for the spring semester. I relocated from XXXX to XXXX MN and signed up for classes before end of XX/XX/XXXX. When I was scheduling for my classes a financial aid advisor began to request information, I already submitted using baseless arguments. For example, he insisted I must provide transcripts from a school that was no longer open, the school was closed for fraudulent activity almost a decade ago. He kept threatening to cancel my loans because the department of education won't pay for the same college credits. I don't have a XXXX, XXXX XXXX or any XXXX XXXX. The only certification I have from previous education is an XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every time I presented documentation to show his concerns were unmerited made him double down on his antiques. He rejected or canceled my XXXX XXXX stating I wasn't eligible without my consent. I escalated the issue and he presented to his oversight documentation after he cancelled the loans to show no loans were ever approved and I was unable to pay for the course I had applied for. I was scheduled to take a final exam XX/XX/XXXX and then advance to the practical training but my classes were dropped and told to start over next semester. I was relying on my XXXX XXXX for my living expenses.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Exeter Finance Corp.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dispute letter have been sent out regarding the debts in question, have received any documentation within the 5 days stated by law. I am a human being my name is XXXX XXXX, I feel totally disrespected bu the credit bureaus. i have a right to privacy. I also have an issue regarding Investigation Consumer Report, once something has been deleted it cant be placed back on my report unless some confirms it as being accurate. So who confirmed the accuracy and whom did the credit bureau speak with concerning the Investigation of Consumer Report. I never authorized the Inquiries on my credit report. My information appears to have been comprised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: NC
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We made a deposit to the bank atm and the atm took the funds and didnt deposit the funds on the accounts. A receipt was printed stating that we have to contact our bank to make sure the deposit was made. We called the bank and filed a claim which was denied by the bank. We have proof of deposit and the camera could be checked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Let me begin by stating that this is out of the norm for me to report any company. However, I am totally dissatisfied by the following situation : I have been with  CitiBank  since   XXXX  . Therefore, I have developed a payment routine and have never missed or been late on a payment. My payment is due on the  XXXX  every month. I mailed the payment  XXXX   XXXX  ( every month I mail the payment on the  XXXX  ). However, CitiBank posted that they did not receive it until the  XXXX  and charged me a late fee of  XXXX . I immediately called CitiBank and asked them about the late fee of  XXXX . They aggressively stated that because I was indeed late they were unable to waive the fee. I asked them for a copy of the envelope to confirm the post office postmarked date, they stated that they were unable to retrieve the envelope proving that they received it on  XXXX   XXXX .     Nonetheless, I have been a loyal customer for over 23 years.I do not understand why CitiBank was unable to provide me with proof of receive date, I was not allowed to dispute the charge nor, was a waiver of the  XXXX  fee given.     I have never been late or have had a fee waived. The representative also confirmed that I have not had a late fee within the pas t two  years. I do not appreciate the hassle and the inconvenience. I had to call o n two separ ate occasions. Each representative lacked great customer service skills and was insensitive to my concerns. Although, I can not control the mailman, I am able to control the date in which I mailed it which is before or the same date every month. This issue could have been easily resolved by waiving the fee for a LOYAL customer or at least providing me evidence.

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 2023-11-19
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Fraudulent checking account opened under my name at US Bank on XXXX. Fraudulent check cashed by a person named XXXX XXXX - according to the bank. Spoke to their fraud department on XXXX. Bank is sending me affidavits and information via email to resolve.

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 2023-04-30
Company: Mercedes Benz Financial Services
State: MO
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:
These Financial Institutions has denied my right after numerous correspondence. I'm not asking them to remove my personal information from consumer reporting agency. I'm simply exercising my rights under federal law pursuant 15 USC 6802 ( b ). They have failed to provide me with Truth in Lending Disclosures & Gramm-Leach Bliley ACT . There excuses are a Retail Installment Contract that does not include the Opt-Out Disclosures, nor does it waive my rights as a consumer. 

I'd explained & pointed out the factual evidence of this federal law numerous warnings & they're still incompetent to comprehend my consumer rights. My financial personal information is unsafe & not properly safe guarded. An Installment contract does not waive my rights under federal law. 15 USC 6802 is a federal law that financial institutions must follow.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT-OUT 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a current mortgage contract for a fixed 2 % loan and the lender arbitrarily changed my interest rate to 8.625 %. My monthly payment has been {$540.00} and the lender has now raised it to {$2000.00}.   I have contacted the lender by phone several times to resolve this matter but they are unable or unwilling to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 had a tax lien placed on a property I no longer own back in  XXXX . I paid the lien in  XXXX . It is only showing on Transunion and I have asked them to remove this from my credit report and they will not.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: IL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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