BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I pulled a credit card with Citibank in XXXX under a zero percent interest rate. In XX/XX/XXXX I paid the card in full over the phone to make sure I was paying the entire amount owed. This was one month prior to the interest rate accrual that would begin in XXXX. In XXXX I received no statement showing balance was paid in full. In XX/XX/XXXX I logged into the card website because I just had my identity stolen and needed to check on all my accounts. I find a $ XXXX balance on my card! I called and they explained the card was used for autopayments that I never changed. I asked the company why I never received any statements and they said I was set up for email notices. I didn't have any notices and when I log into my account I see no statement for generated for the month I paid in full. I see statements for every month since I opened the account through today but no statement for XXXX after I made the payment in full. Therefore, no proof or notice that I paid my card in full. I asked the company to make courtesy of writing off all interest charges accrued since I thought this was a closed card. They told me they could only write off half. I begrudgingly pay in full and close the account, AGAIN! I log in today and see a {$6.00} finance charge on a zero balance! I have been a credit card consumer for over 25 years and never have I received so many problems with a credit card. I needed to report this because to me something is not right with this company and/or card line. In my added photo you will see the month my statement was not generated.

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 2021-05-04
Company: EQUIFAX, INC.
State: GA
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:
Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
I have been getting strange emails from the credit reporting agency saying something about a dispute from your bank Just curious if they have the wrong person could you tell me if you got any disputes from any of the reporting company for me? Just curious they have the wrong person

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 2019-03-21
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 have sent letter after letters since XX/XX/XXXX of last 2018 to remove bankruptcy 's from credit profile to experian and they refuse time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's and also a letter from pacer stating the same. XXXX   along with XXXX does not show any bankruptcy or account involving bankruptcy. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 7 months to remove and have 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 2018-02-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My wallet was stolen and someone used my information to open an account fraudulently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
To whom it may concern, My name is XXXX XXXX, I used my chase checking account ( # XXXX ) transfered {$790.00} to my friend ( XXXX XXXX XXXX 's chase checking account ( # XXXX ) via chase quick pay on XXXX/XXXX/XXXX, transaction number is # XXXX, but my friend did not receive it, then I found out that I used his old cell phone # XXXX to made transfer, not the new cell phone # XXXX. Therefore I filed a claims to chase bank on XXXX/XXXX/XXXX, claim number is XXXX. But they replyed to me that they are not going to make any adjustments to my account. Please help me to get my money back, please feel free to let me know if you have any questions. Thank you very much. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: ID Analytics, 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:
To Whom it may concern, I request a copy of my XXXX consumer report for freedom of information purposes since my information is involved. 

Furthermore i request a freeze to be added to my XXXX  consumer report pursuant to my fcra right as consumer. 

Attached is a copy of ID and SSN for Verification Purposes Please Send Me a letter Confirmation with My XXXX   Consumer Report Blocked To the address listed on that request Regards,

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 2020-08-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I get a monthly XXXX XXXX XXXX check direct deposited into my wells fargo account from XXXX XXXX. I had already received one for may and XXXX. Well XX/XX/XXXX it went to wrong account. XXXX said i changed it online but when EFT was set up i submitted a form. I have a copy but they will not provide me anything with my signature changing it to an account number thati was not mine. I dont kniw it. Now XXXX sees the mistake but neither will correct it. {$640000.00} went into an account and they see it was withdrawn. I have received XXXX but I can not get XXXX because neither will do whats needed. So a electronic check with my name but not my account number. Wells fargo will not correct. I keep calling and getting transfered andexcuses. Obvious mistake but unwilling to correct. Help!

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 2019-04-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX appears on my report as a personal name used by me. I have no idea who she is or why her name appears on my report. Also I have never lived at XXXX XXXX XXXX which also appears on my account.

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 2019-04-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed the account in XXXX and XXXX to the Credit Bureau and to the 2nd collection agency that purchased the account. To this date XXXX XXXX has never provided a signed original contract validating the Debt. Last year in XXXX the account was removed from my credit report and placed back on in XXXX of XXXX. The company keeps claiming they validated the account but as the consumer requesting a copy of the original contract with my original signature which I am entitled, XXXX XXXX continues to ignore my request for this document. 

Recently I just requested information from the listed original creditor which is listed as XXXX XXXX, they provided a letter stating the original delinquency date was XX/XX/XXXX the date of the first missed payment which is about 7yrs ago, also I was provided a copy of a letter from the original 3rd party collections agency which is XXXX XXXX XXXX XXXX dated XX/XX/XXXX so even if this debt were to be validated with an original contract with my original signature this should be off or coming off of my credit report on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I started a new checking account with the Chase Bank located at : XXXX XXXX XXXX XXXX ; XXXX, FL XXXX on XXXX XXXX, XXXX depositing {$2800.00}. On XXXX XXXX I also deposited a business check into this " new '' account in the amount of {$1500.00}. On XXXX XXXX I received a letter/note from the bank that one of the deposited checks in the amount of {$1800.00} was " returned '' to the bank. This was not my check but a check given to me by a company named : XXXX XXXX, located in XXXX, NJ. Not to my knowledge ... this check was fraudulent. The bank charged back my account the {$1800.00} and added a " returned fee '' of {$12.00} against my new checking account. This left a balance of {$2400.00}. I received a call from the bank on XXXX the XXXX stating that my new checking account was to be closed because I was a new customer and there was a returned check already on my account. I was out of state at that time and returned 2 days later. XXXX XXXX : I went to the bank to inquire the current status of my checking account and was told by XXXX XXXX XXXX that my account was closed. I asked why and XXXX XXXX stated because the account was new and there was a check deposit which was returned, it was decided to close-out the account. I was not happy with that decision as I am a XXXX year old individual and wanted to bank at this Chase location because of its close proximity to my XXXX home. But no luck-the account was closed! I requested my balance of {$2400.00} and was told no! as it would be processed and mailed to me. I was angry : WHY? when the new account was closed ; and now my money is not available to me? So XXXX XXXX referred me to the bank Branch Manager : XXXX XXXX XXXX who came over to XXXX XXXX ' desk and when I told her I was unhappy with the bank 's decision to close my account ... that I would file a complaint. XXXX XXXX stated that she " would not talk to me ; not explain why I could not immediately receive my money '' because, as she said : " I was going to the authorities or social media '' and she left me alone with XXXX XXXX ... never hearing or answering my simple questions. My complaint is the attitude of the employees of Chase, especially the Branch Manager and that my NEW cheking account was closed and I still do not have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Experian Information Solutions 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:
Experian is reporting a late a 60 day late payment with the Office of the Attorney General. However the account shows opened XX/XX/2017 and the payment history shows the 60 day late payment was the month before the account even opened! How is that possible. Besides I always paid my child support on time. The account can not be late even before it opened. This is ensane.

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 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On XX/XX/XXXX a hard inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX was pulled in order to put a collection account for delinquent rent from a lease I co-signed in XX/XX/XXXX on my consumer report. Section 604 of the FCRA provides that a consumer reporting agency may furnish a consumer report only for specified permissible purposes. The hard inquiry does not constitute a permissible purpose for XXXX XXXX actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In 2006 I refinance my home with OCWEN Loan Servicing phone # XXXX XXXX & XXXX XXXX XXXX XXXX. I was put in Differed Interest Loan which I later found out by my son. I tried to dispute my case on several occasion which fell on XXXX XXXX. I have never missed a payment since 2006 and I am now trying to refinance my home and I ca n't closed because of the predatory loan the subjected me in, I made a complaint to the Florida Attorney Generals Office ( XXXX XXXX ) regarding this faulty loan. I am XXXX years old & my wife is XXXX. I have my son as power of attorney to answer any questions you may need regarding this important matter. My wife and I worried at nights that we are going to loose our home that we work so hard keep. My son 's name is XXXX XXXX contact information is ( XXXX ) XXXX XXXX email : XXXX. 

Thank you kindly, 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 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed the account in XXXX and XXXX to the Credit Bureau and to the 2nd collection agency that purchased the account. To this date XXXX XXXX has never provided a signed original contract validating the Debt. Last year in XXXX the account was removed from my credit report and placed back on in XX/XX/XXXX. The company keeps claiming they validated the account but as the consumer requesting a copy of the original contract with my original signature which I am entitled, XXXX XXXX continues to ignore my request for this document. 

Recently I just requested information from the listed original creditor which is listed as XXXX XXXX, they provided a letter stating the original delinquency date was XX/XX/XXXX the date of the first missed payment which is about 7yrs ago, also I was provided a copy of a letter from the original 3rd party collections agency which is XXXX XXXX XXXX XXXX dated XX/XX/XXXX so even if this debt were to be validated with an original contract with my original signature this should be off or coming off of my credit report on XX/XX/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 2019-04-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX mailed certified mail to request validation by certified mail ( see attached ) XX/XX/XXXX have not heard from them and they have not marked my account as a dispute submitted

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 2020-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
A dispute challenge letter was sent to ( Trans Union ) in XX/XX/XXXX of XXXX. Challenging ( XXXX ) - a unknown account. As of today XX/XX/XXXX. The company has yet to respond. A violation. Please see attachment of credit summary reflecting ( XXXX ) on my TransUnion credit report. 

In my dispute letter I've ask TransUnion to validate XXXX : by providing paperwork, documentation, signature, proof. 

When was the last payment made on this account? 

What was the last date of activity?

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 2021-02-04
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, I noticed that my account on Coinbase was compromised. My account was compromised bypassing the two factor authentication systems - I'm not sure how at this time. None of my other credit cards, banking systems, or emails were accessed. No other individuals in my household have access to my account. 
After noticing this problem, I acted quickly. I accessed my account. I changed my password and I submitted a support ticket requesting than my account be disabled due to this problem. I noticed before closing my account that an attempted withdrawl of - {$25000.00} occured, attempting to take the funds out of my bank account. Additonally all of my assets in my wallet had been sold off, other assets had been purchased, and sold again. All of these transactions resulted in massive coinbase fees. 
I did not receive an automated support ticket/email verification/or anything of the sort but my account was disabled. The {$25000.00} request resulted in a NSF return fee of {$23.00} from Coinbase as I did not have the funds present in my bank account. 
After some time, I did not hear from Coinbase through any of their support outlets ( XXXX, XXXX, or their email system. ) They do not have a live customer service so there's no good way to get in touch with them. I attempted all the methods available to me. 
After a week, on XXXX, another attempt to withdraw {$25000.00} from my bank account occured. I believe this came from Coinbase directly as my account was suspended. I again attempted to contact them but have had no luck. 
I have since had to put a hold on my bank account and I have yet to have any luck in getting ahold of Coinbase directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a regular checking account with Bank of America. I have not had direct deposit set up for at least six months, while I've been working part time. ( I should have direct deposit set up again shortly as I'm back to full time employment ). 

I just pulled up my checking account balance with B of A. I was expecting it be about {$120.00} since I am due to be paid tomorrow and have been dealing with some relocating expenses, meaning I've keeping a very low balance. I was very surprised to see that a {$12.00} maintenance fee had been assessed. Per my account agreement ( e-Checking ) this fee which I thought was {$8.00} but may have changed over the years, can be assessed when I don't have an active direct deposit and when my balance is less than {$1500.00} daily. But neither of those have been true for months, and the maintenance fee had not been assessed. I have to believe that the only reason the fee was triggered this time was because my checking balance was so low. An attempt by B of A to overdraft my account which means even more fees in the near future.

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 2017-12-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with XXXX XXXX or Navy Federal Credit Union, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation