BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I signed up for a basic checking account from citibank under the impression that I could avoid the $ XXXX monthly fee if I set up automatic bill pay. This seems to be accurate when I searched my fee history from XX/XX/XXXX-XX/XX/XXXX for the most part ; however, on XX/XX/18, XX/XX/18, and XX/XX/18, I was charged a monthly service fee of {$25.00}. On XX/XX/18, the {$25.00} fee deducted on XX/XX/18 was returned to my checking account. 

I was wondering why Im randomly being charged a $ XXXX monthly fee, as I never signed up ( and would never sign up ) for the the checking account that requires a combined balance of {$10000.00} across various citi accounts. Furthermore, since I have never even met this requirement while being a citi customer, wouldnt I see a $ XXXX  monthly service fee every month? 

I also have never been charged ( from what I can see on the website ) the $ XXXX   monthly service fee either, which I assumed was due to the fact that I made sure to set up automatic bill pay immediately after opening the account to meet the requirements for avoiding the fee for basic checking. 

When I chatted with a representative online, they were unable to provide any relevant information.

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 2023-10-10
Company: MOHELA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried contacting MOHELA multiple times and have been met with a wait time of 155 minutes, minimum.

I made my payment on the due date, online, and four days later it is still showing as processing. Meanwhile, my balance is growing and the interest is accruing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: CITIBANK, N.A.
State: WA
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:
I had booked and placed two cruise bookings on XX/XX/XXXX with a deposit of XXXX each on my Costco Citi Card. These bookings were for two cabins on XXXX XXXX for a 7 day sailing from XXXX to Alaska on XX/XX/XXXX. There were two charges on my credit card of {$350.00} because of the two separate cabins. In XX/XX/XXXX I cancelled one of the cabin bookings and received a credit on XX/XX/XXXX for my XXXX deposit. That left only XXXX cruise booking charged on my Costco Citi Card. 

Subsequently the XX/XX/XXXX cruise was then cancelled due to Covid. XXXX XXXX did not provide a full refund after they cancelled the cruise. Therefore, I filed two separate dispute to get a full refund for the cruise which was the XXXX deposit and XXXX cruise balance ( charged on XX/XX/XXXX ). I was successful in getting the {$2400.00} refunded but still have been unable to get the XXXX refunded from Citi. 

I first filed my dispute for the XXXX on XX/XX/XXXX. On XX/XX/XXXX they sent me a letter erroneously stating that XXXX had credited my account for XXXX. I told them the credit was for a different booking. After numerous phone calls trying to have the dispute re-opened, they requested I file a new claim. I filed a new claim on XX/XX/XXXX. I subsequently was told on XX/XX/XXXX that too much time had elapsed between when the XXXX charge was made and the opening of the new dispute claim. 

Citibank made an error on my initial XXXX dispute sent on XX/XX/XXXX when they closed a valid claim on XX/XX/XXXX. Now Citibank is claiming I was late in making the claim when they were at fault for closing my valid XX/XX/XXXX claim. 

I have attached all the documents to provide a history of what has occurred.

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 2022-07-09
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I requested information to verify that this debt belongs to me. XXXX and the creditor have not provided me with information to prove this debt is mine and what the services are for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: MOHELA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Description of Problem I have outstanding student loans totaling {$200000.00}. Prior to the student loan pause, I was on the XXXX plan and my monthly payment was {$360.00}. My servicer changed from XXXX XXXX to Mohela in XXXX. Mohela recently notified me that I had been automatically converted to the SAVE and my monthly payment increased from {$360.00} to {$670.00}, even though I had previously been told that my payment would remain the same under the SAVE plan. My husband 's monthly payment similarly increased by several hundred dollars. 

This was very surprising and concerning to both of us because we have not re-certified our income since XXXX ( when we used our XXXX AGI as married joint filers ). We called Mohela twice and both times the representatives advised they did not know XXXX ) what income amount was used to calculate our new payments ( e.g., our XXXX AGI? Something else? ) and XXXX ) how the payment calculation was made. This is basic information that should be easily available to all borrowers. Instead, the agents pressured us to re-certify, which I understand we are not obligated to do until 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 2022-07-09
Company: EQUIFAX, INC.
State: IN
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 have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax inquiries : 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 2023-10-11
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this account. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

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 2023-09-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts are not mine and do not belong to me. I am a victim of identity fraud which is preventing me from purchasing a home due to the fraudulent items reported on my credit report. I have attached my FTC report for your review. Failure to not comply will result in a lawsuit. the law prohibits you from reporting fraudulent information to my credit report I demand immediate deletion and blockage from any future reporting. 


1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have three accounts reporting on my credit reports with inaccurate information regarding date of last activity and payment history. Accounts are as follow : XXXX XXXX XXXX ( 2 seperate accounts ) XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2020-12-22
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This complaint can be associated with another one with ID XXXX, which was filed on XX/XX/2020, against Chase bank, on the issue that Chase closed my credit card accounts ending XXXX, XXXX and XXXX without valid reasons, and is still pending a resolution. 

After filing the above complaint, I was contacted by Chase bank and told that an investigation was ongoing. I was also given a contact person named XXXX and a phone number XXXX, XXXX. But l was never able to get through that number again, and was never called back even after leaving messages. 

Late in XXXX I received a letter from Chase, dated XX/XX/XXXX, informing their decision, not only having closed my credit accounts, but also to close my checking ending XXXX and saving ending XXXX on XX/XX/XXXX, again without any reason. Since I can not get in touch with Chase Executive Office regarding this issue, and XX/XX/XXXX is approaching, I assume the above two accounts will be closed anyhow, so I have to file another complaint with CFPB. 
Now that Chase decides to close my checking and saving accounts, I think I may have a clue why they want to do that, and I have to say the decision is rediculous. 

I opened these XXXX accounts in late XXXX, during which time there was a promotion from Chase, that to receive {$300.00} bonus if open a new Total Checking account with direct deposit, and to receive another {$300.00} bonus if open a new saving account at the same time, and then deposit {$15000.00} into the saving and keep it for 90 days. 

Once I opened these XXXX accounts, I arranged direct deposit from my employer and I received the checking bonus already. However, when I initiated an ACH pull from my external account withXX/XX/XXXX to Chase, the transfer was cancelled by Chase. I called their customer service and was told such large amount of money transfer was considered risky and was not allowed online, and I had to go to a local Chase bank to deposit a check. While thinking this is not so reasonable because Chase wants me to deposit a large amount of money to receive bonus, yet Chase also dictates such large deposit unsafe, I fully followed their instruction to deposit my check in a local Chase branch. Now I am afraid Chase is exactly basing on this " unsafe '' large amount deposit to determine my accounts risky and close all of them. 

I also note that I deposit that check of {$15000.00} to my Chase saving account on XX/XX/XXXX, and now it just passed the 90 days which is required to keep that balance to receive the {$300.00} bonus, and since Chase is going to close my accounts on XX/XX/XXXX, I don't think they will honor that promotion to me. Really irony!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I took a look at my credit report a few months ago and seen 3 accounts that i didn't recognize. After doing some investigation, i found out that those accounts where open fraudulently. I cantacted the bureaus and did exactly what they told me. i contacted the police department and filed a police report with the XXXX XXXX police department. I sent this to the bureaus but the accounts didnt come off.

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 2020-12-22
Company: Union Home Mortgage Corp
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I sold my house and closed on XXXX XXXX with my loan paid in full by XXXX XXXX. I had updated my address both online and over the phone before closing. After not receiving an escrow refund, I called the mortgage company to inquire about the refund. The mortgage company told me that they had sent the check to the address that was just closed on. They then cancelled the current check and started a work order for a new check. They stated that the new check would be mailed by XX/XX/XXXX. Called around XXXX XX/XX/24 and the company confirmed that the check was mailed to my current address. Called today ( XXXX XXXX XXXX to tell them that the check hasn't arrived. I'm now being told that it wasn't sent and " looks weird '' but that it should be sent soon.

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 2019-02-12
Company: SUNTRUST BANKS, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had a mortgage with Suntrust Mortgage for over 10 years. They recently sold our loan to XXXX. We paid XXXX  in full so the home is now paid off. Suntrust Mortgage sent us a letter stating these changes would take effect on 11/30/2018. The payment was on an auto payment every two weeks for {$380.00}. Suntrust continued to deduct this amount 5 more times totaling {$1900.00}. They used a third party ( XXXX XXXX  ) to make these automatic deductions. I called the third party to request these payments to stop. They told me they could only refund me for the last withdrawal of {$380.00} in which they did but the amount refunded was {$380.00} not a big deal. But they also told me they couldn't refund me the other 4 withdrawals ( {$1500.00} ) made to my account because they were sent to Suntrust. I have begged and pleaded with Suntrust about this matter and I can't even get them to send me a statement. The third party ( XXXX XXXX ) told me to request a 3 month activity statement from Suntrust Mortgage but they will not do so. I am at a loss on how to get my money back.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 according with the fair Credit Reporting Act XXXX  Account # XXXX, NAME : XXXX XXXX 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 furbish an 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 2023-03-01
Company: Experian Information Solutions 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 am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Experian is govern by 15 USC 1681 and they violated my right numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have a right to privacy and did not give Experian written permission to furnish these accounts. 

Account XXXX : XXXX Account 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 2020-09-28
Company: MicroBilt / PRBC (formerly CL Verify)
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried now on several occasions to get security freezes placed on my credit reports, but to no avail. Moreover, due to my information being found on XXXX XXXX  sites and the fact my information was compromised in the XXXX data breach, I am scared of identity theft. Therefore, I want all addresses removed except for my current address. Finally, I am requesting full validation of all accounts under the FCRA 15 U.S.C. 1681i, which states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed on my credit report within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Avant Holding Company, Inc.
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: Card was charged for something you did not purchase with the card

Complaint:
This company clearly had a data breach as my account and on social media many many others have fraudulent charges on their cards. I can not get through to the company by phone or email. I want these charges removed from my account as I did not make them and am NOT paying for them. There is zero way of reaching anyone in this company! How can you run a credit card company this way? Alos, I recently moved yet there is no way on the website to update my mailing address. Again how do you run a business like this?

Company response to consumer: Closed with explanation