BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-27
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly payments to Dovenmuehle ( loan XXXX ) is {$2200.00} and was due on XX/XX/2019. If I fail to pay by XX/XX/XXXX, I am subject to a {$91.00} late fee and possibly issues with my credability. I made an online payment from by checking account at XXXX XXXX XXXX bank for the {$2200.00} on XX/XX/2019. Since this is an electronic payment, Dovenmuehle should ( and usually does ) receive the payment by the next business day, which was XX/XX/XXXX. The full amount of {$2200.00} was deducted from my checking account XXXX at XXXX XXXX XXXX bank on XX/XX/2019 with an entry " BP-Dovenmuehle Mortg Conf # - XXXX '' See XXXX XXXX XXXX Statement attached ). However, on XX/XX/2019 and to my surprise and dismay, I got a call from XXXX at Dovenmuehle 's Collections Department saying I failed to make the XX/XX/XXXX payment and that I now owe them the {$91.00} for the late fee. I told XXXX that I paid Dovenmuehle on XX/XX/XXXX. She later confirmed this. I asked her to investigate why I was being called when I in fact made the payment. XXXX was unable to help. 
Then, on XX/XX/XXXX, Dovenmuehle finally issed a statement ( see attached ) to reflect my XX/XX/XXXX payment ( this is usually done only a couple of days after I pay ) saying I made the XX/XX/XXXX payment on XX/XX/XXXX. No where does it say in the statement or elsewhere that my payment was timely. 

I need a written statement from Dovenmuehle that my XX/XX/XXXX payment was timely and not subject to a late fee and was received well before the XX/XX/XXXX payment. I also want investigated whether this behavior on the part of Dovenmuehle is in any way retaliatory or connected with my recent application for loan modification to XXXX XXXX at Dovenmuehle due to me being unemployed and being the subject of another complaint I am making to Dovenmuehle. In other words, this instant unusual behavior seems to occur just after I applied for and then appealed and was denied a loan modification due to my long term unemployment, and my subsequent complaint to XXXX and XXXX. I would like to know if they are bullying me as a result and if I shluld expect more of this kind of behavior from Dovenmuehle in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Citi credit card ( with XXXX ) for the las

t 3 yrs. My husband was added as an add-on card member without my permission and his credit too was pulled for this ( without his permission ).

Recently when my husband pulled his XXXX report he was shocked to see that his credit was pulled for this card and this card was being shown on his XXXX report as an account. As he was not supposed to be on the card, he called Citi Customer Service ( around XX/XX/XXXX/ XX/XX/XXXX )  and explained the issue and asked to be removed from my account. In XX/XX/XXXX when he checked his XXXX report again, this card was still showing up on his account. 
To remove my husband from my account I called Citi Customer service on XX/XX/XXXX and was prompted to go to the automated service. Here I reached a point where I was asked to respond if " You would like to remove an account holder or close an account ''. Only one prompt was given for both actions- NOT A SEPARATE PROMPT FOR EACH ACTION. So, I had no choice but to select the prompt thinking that the next step would be to reach a customer service rep to remove the additional user ( that was the whole idea from the beginning, but the system kept saying choose the prompts to serve better ). However, what happened next was a big blunder by Citi and a nightmare that I am still living. The system just closed my account without confirming my action. I was utterly shocked to hear the automated system telling me that my account has been closed. 
I spent the next couple hours that day and subsequent days running behind the customer service to fight my case. On reaching a customer service agent he spoke like a robot repeatedly saying that this was not a bank error and that nothing can be done. He was extremely rude and not willing to help. On requesting to escalate the matter, he repeated that nothing different will happen even by the manager. Finally after much drama he connects me to the supervisor. The manager here tried her best but she got back saying that the 'final decision ' was that it was not a bank error and so nothing can be done. I was told that I had no choice but to open a new account from the scratch. The bank declined re-opening my account. 
This will have major negative impact on y credit- Closing an active and well maintained account, running my credit again for a new account, changing my card information on all my billing accounts. 
This is a major blunder on the part of the bank and its automation system. I am in no way responsible for this. 
I expect the bank to take responsibility for this and reinstate my account back again without any negative impact.

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 2023-10-10
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am so disgusted by this! 
I tried to pay my bill multiple times by logging in on the due date and by XXXX XXXX XXXX on the due date after I finally got into my account I was forced by their system to submit payment on the XXXX even though it is barely in the evening here on the XXXX! 
Because they don't take into account time zones and punish you for being several time zones away in the Pacific they are summarily requesting payment a day earlier. 
Even though I made my card payment on the XXXX and tried unsuccessfully to do so earlier I was charged a late fee of {$30.00} when I clearly and absolutely wasn't late and payment was submitted on the XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
A few months ago I filed a complaint with CFPB ( XXXX ). The complaint was received and the response returned. I had noted that the new " click-wrap '' agreement to access my account was unrealistic ( over one hundred pages to read and accept ), and the response was it had to be acknowledged before I could access my account online. Since I was not going to try to read and understand the document, nor perjure myself by clicking the box stating I read the document, my only reasonable course of action as a consumer is to close this credit card account. The company will not allow online closure of the account, and require a phone number be called. On XXXX XX/XX/2023 around XXXX Eastern , I called the number and spoke with the representative. They were sorry to hear that I was going to close the account. They forwarded me to another department to handle the closure request. I have been on hold for over an hour waiting for a customer service specialist. This is very unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see no changes for what I filed last month. I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-02-02
Company: Avadyne Health Holdings, Inc
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: TN
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:
Unauthorized XXXX payments from personal XXXX XXXX XXXX  checking account on XX/XX/XXXX and XXXX XXXXXXXX  as follows : - XXXX {$500.00} paid to XXXX  XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX  I XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$1000.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$500.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$300.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$300.00} paid to unauthorized and unknown person- XXXX XXXX XXXXXXXX {$200.00} paid to unauthorized and unknown person- XXXX XXXX XXXX {$100.00} paid to unauthorized and unknown person- XXXX XXXX Later on XX/XX/XXXX  there was unauthorized transaction from my XXXX XXXX Savings Account to XXXX XXXX for {$210.00}

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 2021-01-14
Company: EQUIFAX, INC.
State: AR
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:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Account, XXXX XXXX XXXX  Account # 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 furnish a 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 non-monetary relief
Consumer complaint received 2023-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 used the incorrect card to pay for my insurance premium, the insurance company instructed me to file a dispute, and once the billing department got a dispute they would release funds it's how they handle that. Well I called capital one and explained to the 3 world country representative there was a language barrier, they started the dispute and wanted me to charge my other card so I have double the amount on my credit instead of contacting the merchant. I was out the 1.5 % I would have gotten for XXXX they refused to help with the dispute and on the XXXX of XXXX the day my policy was active. I spoke to 2 members of the dispute department and advise me to drop the dispute and they as a courtesy they would credit the XXXX for my cashback well they conveniently have no record of call and credit so I am disputing the entire amount again to get the issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried several times over the past year to pay this credit card bill online and it never went through. I called the company and paid the balance and they help the payment until it was past the de date. hey charged a {$41.00} late fee after the account was closed. The balance ballooned to over {$280.00} and they are ruining my credit. I found this out when trying to pre qualify for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I pulled my credit report for Equifax multiple times this year, the most recent being XXXX and noticed inaccurate information. I sent my original letter in XX/XX/2023 and I haven't received any response from them within the 30-day window, Because of that I sent them another dispute on XX/XX/2023 letter telling them they must remove the account and also included inaccurate personal information that needed to be removed. Instead of investigating, I got a letter saying that it appeared that the dispute letter came from someone else and that I had to call them to dispute, which I know isn't the law. I sent ANOTHER letter most recently in XX/XX/2023 saying that the dispute was, in fact from me, and that they were trying to waste time. I am giving them one more chance via CFPB to make this right before I file a complaint with the FTC and XXXX ; and if that doesn't work, I have already started looking at consumer attorneys that work on a contingency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: OH
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:
at 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my 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 I HAVE REQUESTED the accounts to be properly updated due to the fact that the accommodations requested during the timing did in fact qualify for the protection under the cares 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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, US SM BUS ADMIN ODA.

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  : I'm dealing with an XXXX XXXX account that was charged off in XX/XX/XXXXand sold to a collection company : XXXX in XX/XX/XXXX. There's a Field on my XXXX  credit call : Delinquency First Reported. This date has been re-aged several times, last in XX/XX/XXXX which had a major effect on my credit score. This continued re-aging make it appears as a new derogatory which dropped my score. 
Transunion shows a payment history and XX/XX/XXXXdo not show a payment history. Transunion report shows I made my last payment on XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. XXXX report that this account is reporting accurately when its 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 explanation
Consumer complaint received 2021-01-04
Company: RUOFF MORTGAGE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were not provided our closing cost until 24 hours from closing. 
Our loan officer did not inform us that our mortgage payment would be more we didnt find out until closing. 
Our loan officer told me in writing that my fiancee could be added to deed at closing we didnt find out that she could not be added until after we closed. 
Our interest rate was changed We were provided 4 different final amounts Our mortgage payment was changed from {$840.00} per month to 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 2023-05-05
Company: EQUIFAX, INC.
State: MA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2021-09-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Good morning, I created my Coinbase account in XX/XX/2020. A few months ago I passed an XXXX  from my digital wallet ( XXXX  ) and since two months ago my Coinbase account appears as " account under review ''. Nobody gave me an explanation, I have uploaded my identity documents several times, I have contacted the technical support on XXXX and via email and they do not offer me any help. They open case tickets and close them without answering me. It's embarrassing. I read on the internet that there are thousands of people in the same situation as me. They hold people 's money and don't give any explanation. 

I hope you can help me, thank you very much.

Company response to consumer: Closed with monetary relief