BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-05
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On the morning of XX/XX/XXXX I opened my banking app to check my exact balance before I made a purchase on XXXX. When I used it the day before I had {$4100.00} and some change, I didn't want to go too far below that. 

As soon as I went to open the app, it logged me out. I went to log back in and it said my account was closed. I instantly started freaking out. Doing a XXXX search of " Chime closing accounts '' doesn't bring up any positive news cause apparently they will close peoples accounts and withhold their money for no reason other than " their agreement ''. 

I originally sent Chime an email, asking why, as well as any supporting documents for all of my larger transactions since I figured that may be why they closed it because of my XXXX  or whatnot. 

But I decided to call them to find out specifically why. 

You can not get through because the bot detects my account is closed and hangs up. Probably some of the most shady support tactics I've seen with any company. 

So I called XXXX XXXX. Upon reaching an agent, I confirmed my info and they said I have to talk to Chime. Originally they tried to give me a phone number and I said no that doesn't work so they transferred me to an agent. 

I spoke with 4 different people at Chime. All of them saying my bank account was closed due to a decision at XXXX XXXX, and my money will be refunded within 30 days. I wanted to know what specifically is the reason why they closed it. They wouldn't tell me just to email XXXX. I advised them I wasn't waiting 3 days to find out why they are stealing/holding my money for at least a month. They kept repeating the same thing and wouldn't even let me transfer my funds to my linked account. 

Next I called XXXX XXXX  since they're supposedly the ones who actually closed it. They told me the same thing. They said they will fill out a report and someone will be in contact in 2 to 3 business days. 

All of this was done on a Monday, and I have yet to have any response via any method at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Central Portfolio Control Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I had a XXXX done by XXXX XXXX. I was billed XXXX. I paid XXXX XXXX directly on XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX  CST I spoke with XXXX XXXX, a debt collector with CPC Recovery Group. ( Central Portfolio Control ). I emailed him the receipt of the medical bill being paid. XXXX stated that the bill i provided was not suffice. ( attached ). I advised that it had been paid and he confirmed that the XXXX XXXX account number that i had paid on XX/XX/XXXX was the account they were trying to collect. I asked them if they would contact XXXX XXXX XXXX   and confirm that it had been paid. I was advised that they would not do that and i had to provide additional documentation. There were several more phone calls in which i do not have the intimidate access to time and date, but can find them if i need too. 

Starting XX/XX/XXXX the debt was added to my credit report. CPC would not return my calls, not contact XXXX XXXX or remove the collection from my credit report that should not have been there in the first place. 

On XX/XX/XXXX i again sent the statements showing the account was paid to a XXXX XXXX. The debt is still not going to be removed. I can not get CPC to contact XXXX to confirm it was paid, or accept the statements i have showing it was paid. 

Over the last 9 months, i have been hung up on multiple times, can not get return calls and can not get CPC to pick up a phone and contact XXXX XXXX and confirm it was paid before they received the account to be collected on. I have exhausted all of my options and i have nowhere else to go to get assistance with this. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TD BANK US HOLDING COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXXXXXX a credit card from Nordstrom/TD Bank USA was opened in my name with my social security number. On XX/XX/XXXX I noticed it on my report and I have notified Nordstrom, and the major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to refinance my mortgage and had everything ready to go and then the bank calls and says they cant approve my loan due to a recent unsatisfactory judgement from wakefield and associates. I had taken out a XXXX loan in XX/XX/XXXX and that judgement didnt show up on my credit plus I have taken out another XXXX in personal loans in XXXX and XX/XX/XXXX and again nothing about this on my credit report. So I contact wakefield and i will attach the email that says the whole story.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: AZ
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 have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I can not access my PHH Mortgage account at all using their online portal. I had forgotten my password. They sent me a link with my new password. That password did not work. I tried again and that password also did not work. I took a screen shot of both my email with their password and their web site with the password and my exact username not working. I believe being unable to access your own account violates CFPB guidelines.

I also saw that they reported my account as delinquent one day and fixed it the next day on my XXXX  credit report. I would like to know why. I also would like to know if my auto pay is turned back on as they mistakenly removed it twice this year, causing my credit score to drop 140 points for the first time in 20 years.

Their customer service is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2020, {$490.00}, Coming of deferred payment due to Covid 19 reported my account 30 days late

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 2021-09-05
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX for a medical issue with my XXXX. I had a new job and there was a question of if my medical or optical insurance would pay. I then paid the original amount via my HSA portal. I received no further communication after paying through my HSA portal. I ran my credit report earlier this year. That is when I saw the balance from XXXX XXXX XXXX office. I immediately sent a personal check of {$210.00} ( cleared XXXX ) and requested documentation for me to be reimbursed for both charges by my HSA. I have reached out to Capital Accounts LLC multiple times to have this collection either removed from my XXXX, XXXX, and XXXX  reports or at least list the balance as paid. Capital Accounts LLC has refused to do either and keeps insisting to the credit bureaus that the balance is unpaid.

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 2018-04-09
Company: EQUIFAX, 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 DISPUTED THE INCORRECT INFORMATION ON MY REPORT 3 TIMES AND EQUIFAX STILL DOES NOT FIX INACCURATE INFORMATION ON MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX   XXXX {$350.00} EQUIFAX XXXX {$360.00} XXXX XXXX XXXX {$830.00} XXXX DEPT OF ED XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2021 text message from citizens bank totally a scam as I do not have an account with citizens bank. 

XXXX  CASE # XXXX : SUSPICIOUS CREDIT/DEBIT ACTIVITY VERIFY YOUR ACCOUNT IMMEDIATELY : mineXXXX  Here 's the website they are using please stop this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I disputed 2 accounts with Experian on XX/XX/2018. I paid XXXX XXXX past due bal and they failed to report account from derogatory to current and actively still paying on the acct. XXXX XXXX never provided a statement showing where I owe the charge off. Acct says paid in full / {$190.00} written off Ive made payments on the account. I need a statement. These items with affect my report for 7 years. At least update the information. Please report last payment.

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 2020-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I Requested an investigation on 3 Collection items that were reporting to my credit report. Requested verification from XXXX XXXX account # XXXX, # XXXX and # XXXX twice. Once in XX/XX/XXXX and again XX/XX/XXXX. I requested validation from XXXX XXXX XXXX  and I have not yet to receive any response from them. The credit bureaus Equifax and XXXX  deemed these3 accounts verified. I want to know how it is that they were able to verify this account when I saw I received nothing from the collection agencies myself proving verification. I'm asking the CFPB to step in and help me resolve this issue. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am a consumer pursuant to 15 USC 1692 ( a ) ( 3 ).

According to the Fair Debt Collections Practices Act, the company I bank with- Wells Fargo is a debt collector and has violated the FDCPA and the Truth in Lending Act. 

They are requesting I pay {$220.00}. 

According to the federal law, payment is gold or silver. 

The actions I have taken to address the matter is disputing the account that is my name. I have notified them that I'm a consumer and that they have used abusive, deceptive, due to unfair debt collection practices. 


Also I reached out privately to the company by mail disputing the alleged account that is in my name. I invoked my specified remedy as the creditor that the company lift the hold or suspension that's preventing me from actively using the account. Report as paid in full- showing my account reflection of it no longer being negative. As well as I instructed them to compensate me the monetary amount in damages listed on the invoice I sent with my affidavit for violating federal law that totaled to be {$16000.00}. 

The company committed the following violations 15 U.S.C. 1692 ( b ) ( 2 ) 15 U.S.C. 1692 ( b ) ( 3 ) 15 U.S.C. 1692 ( b ) ( 4 ) 15 U.S.C. 1692 ( c ) ( a ) 15 U.S.C. 1692 ( c ) ( a ) ( 1 ) 15 U.S.C. 1692 ( d ) ( 2 ) 15 U.S.C. 1692 ( d ) ( 5 ) 15 U.S.C. 1692 ( e ) ( 2 ) ( a ) 15 U.S.C. 1692 ( f ) ( 7 ) 15 U.S.C. 1692 ( g ) ( a ) 15 U.S.C. 1692 ( g ) ( a ) ( 1 ) XXXX XXXX the 'Case Specialist ' in the Enterprise Complaints Management Office responded on behalf of Wells Fargo stating that " We respectfully decline your request for compensation as were able to determine no error occurred '' in regards to my demand for compensation.

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 2018-02-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had this account open for several years. In late XXXX of 2017, I changed my checking account and updated the new information in XXXX 's system. I believe the exact date was around XX/XX/ that I changed my payment method. 

It was around this time that XXXX changed their servicing system from one platform to another ( and in that time frame also raised their late fee from {$27.00} to {$37.00}, incidentally XXXX. 

My payment which had always been deducted automatically was not processed on XX/XX/XXXX. After XX/XX/, I received a statement showing that my balance was past due, and that I had incurred a large past due charge. I immediately contacted XXXX by phone, and they instructed me to update my payment information over the phone, which I did. 

After XX/XX/, I again received a statement this time showing a payment past due in the amount of {$120.00}, which included the past prior XXXX months, plus late fees and accrued interest. I again immediately contact XXXX, asked to speak to a supervisor, and again updated my payment information. I was assured that my payment would be processed onXX/XX/XXXX and that my account would be caught up. On XX/XX/XXXXXXXX attempted to debit my prior, out of date, checking account, which at this point had been closed for over 2 months. This information should not have been in their system at all. I received a letter detailing this event datedXX/XX/XXXX, that I received aroundXX/XX/XXXX. I again contact XXXX, explained the situation, and a rep mentioned that " the old system must have tried to process my payment '', or something along those lines. 

At this point, aroundXX/XX/XXXX, frustrated, I once again called, was told that my payment was already setup for XX/XX/, correctly and would be debited. After XX/XX/XXXXI checked my account online and found that the payment was not debited. 

At this point I manually made a payment myself via my bank for {$120.00}, which posted to my account on XX/XX/. My regularly scheduled payment, which should have been processed onXX/XX/XXXX, once again did not happen. OnXX/XX/XXXXI once again made a payment online for {$120.00}, bringing my account current. 

Over the course of these months, XXXX repeatedly failed to communicate, and incorrectly attempted to debit either my old checking account, or simply didn't make any attempt to debit any account for the payment that was previously arranged.

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 2018-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The FCRA,15 U.S.C. Section 1692g ( a ), mandates in no uncertain terms thst a debtor has 30 days to dispute the validity of the debt.If the creditor can not provide sufficient evidence that the debtor was given adequate notice, the debtor must be given another 30 day debt validation period, and the creditor must provide evidence the debtor is liable for the accounts in question.

XXXX XXXX XXXX {$710.00}

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 2021-03-03
Company: Experian Information Solutions Inc.
State: OH
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 was a victim of fraud a few years ago andI need my address update to my credit file to XXXX XXXX XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX DOB XXXX, SS XXXX. I have had my IDENTITY comprised at a previous address XXXX XXXX XXXX XXXX, OH XXXX, please delete or remove this address due to the fraud that happened to my credit there I don't want to be associated with this address and remove my name from any prescreened offers and promotion as well. 
Please inform the account below that I demand verification or validation if not please delete this account due to my previous ID theft I demand proof for any and all unknown accounts that I have never had a contract with these companies : XXXX XXXX XXXX, XXXX XXXX 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 2021-03-03
Company: EQUIFAX, INC.
State: OH
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 was a victim of fraud a few years ago andI need my address update to my credit file to XXXX XXXX XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX DOB XXXX, SS XXXX. I have had my IDENTITY comprised at a previous address XXXX XXXX XXXX XXXX, OH XXXX, please delete or remove this address due to the fraud that happened to my credit there I don't want to be associated with this address and remove my name from any prescreened offers and promotion as well. 
Please inform the account below that I demand verification or validation if not please delete this account due to my previous ID theft I demand proof for any and all unknown accounts that I have never had a contract with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, TRANSUNION, and XXXX  continue to report false and fraudulent information to my credit report! I've sent multiple letters to each credit bureau pertaining this false information and they have failed to do a proper investigation as per FCRA guidelines! 
XXXX XXXX XXXX XXXX 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 2018-07-28
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citi credit card approved me with a {$1000.00} credit limit. I received letters and emails congratulating me on being approved and welcoming me to the Citi thank you card.

When I received the cards in the mail ( one for me and one authorized user ) I called the number on card to activate as instructed.

Citi employees said they could not activate my cards. Said they needed to send me a text with a code to verify, then said that their system would not allow them to send text???

I called 5 different times and got the same ridiculous answers. I did try to activate online but Citi website did not function properly but I was able to set up online account access with Citi mobile app!!!

I am frustrated with Citi. I instructed their representatives to close my account since they could not activate. They said that they could not close my account as I requested???

So, I have a credit card issued by Citi with {$1000.00} credit limit, can not use card because they say that they can not activate it, and they refuse to close my account as I requested!?!?!?

Citi is not a reputable company and I believe has committed 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