BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-16
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Someone used my information to open an account with Citibank XXXX XXXX. I was alerted to an inquiry by XXXX on XX/XX/ after someone tried to take over my bank account. I immediately called XXXX and was told that the account had been opened. Explained that I did not open the account and it needed to be investigated. Was treated like I was lying by the fraud rep. She told me ( BUT THE ACCOUNT MATCHES YOUR ADDRESS ). Told her that I did not apply for the account and did not want it. She finally told me that They would close the account and investigate. And then they did not provide any kind of claim number or advise further action. Knowing they did not believe my claim I disputed with the major credit Bureaus. 

Around the last part of XX/XX/XXXXI recieved a bill from XXXX for XXXX. I live in XXXX XXXX and all of the Transactions are from XXXX XXXX  Including one fromXX/XX/XXXX The day the account was opened and have proof I was at a XXXX XXXX XXXX location in XXXX that day. Obviously the account was never closed or investigated as told by the fraud department. 

XX/XX/ Received notification from XXXX  that they verified the account as mine and the dispute is closed. 

XX/XX/ XXXX XXXX Placed another Call to the fraud department. Was told there was not an Investigation started on my first call as suspected. The fraud rep did admit That XXXX knew that the account was fraudulent but said they can not remove the account from my credit reports because it has a balance. I said the balance would not be there if they had investigated the first call. She would not tell me a status only that I am paying the price of their employees not doing their Job. 

XX/XX/XXXXWas transferred to the the Account security department and was told that they just recently opened an investigation and had to wait 90 days. Asked why they validated the account as mine with the bureaus and she said that. Even though they know it is fraud the dispute department will still validate the account. I understand that if they know it is fraud they must remove the account and inquiries from my report immediately. She then said they submitted it to be removed and placed all of the blame on the credit bureaus and said I had to give them 60 days to remove it. I explained again that they just verified this a legitimate account when they know it is fraud and that it is against FCRA laws. She again blamed the bureaus. I asked for future status updates and was denied because they don't do that. Basically I was told they will handle it when they can and I am paying for their companies greed.

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 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent a payment via XXXX for services and I received a confirmation number for the transaction stating that the payment was sent. The recipient never received it. When I contacted my bank they told me it was a glitch and to wait up to 45 business days for it to be completed before I can get my money returned to me.

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 2019-09-25
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
On XX/XX/XXXX I got a notice from a credit monitoring company that I had a new address on file. I checked my reports and saw that Equifax is reporting an OLD address as my current address however they sent me a letter to my current address asking me to verify my ID and address information. I never changed my address with them nor made any request to so why they would take it upon their own to change my address to an old address is beyond me but now I am concerned bc my credit information is going to someone else which makes my file subject to fraud and ID theft. I have had several complaints with them about erroneous information that they are reporting and now my ADDRESS??? It needs to be corrected ASAP.  They have already proven themselves to be untrustworthy amongst millions of consumers with the 2017 Data Breach so they really don't have a good reputation of reporting accurate information nor protecting it. FIX IT EQUIFAX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is about my JPMorgan Chase Freedom Credit Card. I applied to Chase bank on XX/XX/XXXX. I was approved for the card and i have been using my card ever since, I just order my credit report on XX/XX/XXXX and i notice additional 3 unauthorized inquiries on my XXXX  and 3 unauthorized inquiries on XXXX  credit reports. Please see below. I authorized only one inquiry for the Chase Freedom Card on XX/XX/XXXX and i was approved on that day an told my card was being sent to me. The additional inquires below were not authorized by me. 

XXXX Inquiry details Jpmcb - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX 

Jpmcb - Card Service Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 

Jpmcb - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX 


XXXX  JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a Citgo XXXX card since XX/XX/XXXX. It has been closed for many years, but I have an auto payment drafted every month for the minimum due. 

Every few months, I check my account online to see how much the balance is, or other information about my account. 

Today I attempted to log in, but was unable to. The bookmarked site says the website is no longer available and listed an XXXX number to call. 

After multiple frustrating phone calls, I finally spoke with someone in the technical ( website ) part of XXXX who notified me that since my account was closed, there was no way to access my account online anymore. 

My stance is that as long as there is a balance owed, the account may be " technically '' closed for further purchases, but the account is still OPEN for making payments. ( If they want to close the account and write off the balance, I am amenable to that option. ) My issues are twofold : one - how can it be okay to not have online access to my account while there is still activity? And two,  was anybody going to let me know this was happening? I received NO notification about this from anyone. I 'm actually surprised that the autodraft continued uninterrupted. 

[ Some of the customer service reps said that Synchrony Bank bought out those Citgo XXXX accounts. I have no communication from Synchrony Bank as to whether this occurred. I might have a problem with Synchrony Bank debiting my bank account every month as I did not authorize them to do so, unless, of course, the fine print stated that the assigns of XXXX would have the same authority. ] What if I wanted to change the amount I pay every month, or the bank from which the payment is taken, or to check my balance or to verify the interest rate I am paying? And, again, nobody bothered to notify me of this change. I still do n't know when it actually happened. The last time I accessed my account online was in XX/XX/XXXX this year. It is unbelievable with today 's technology that XXXX or Synchrony or anyone is unable to keep an " account '' open while a customer is continuing to make payments. Surely there 's no shortage of server space.

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 2017-11-21
Company: Northland Group Inc
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The case number is XXXX its with northland group. they are debt collectors it is for original creditor XXXX XXXX. ENDING IN XXXX THIS IS NOT MY ACCOUNT,. I never OPENED THIS ACCOUNT WITH XXXX XXXX. I get a letter from these people every month wanting this and wanting that. Again this is not my debt. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: LEXISNEXIS
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Dear Sir, Madam, I have been using an XXXX XXXX XXXX credit card since XXXX. I have always paid on time and in full my balance statement and have maintained since the beginning an excellent FICO scores, in between XXXX. 

However, since XX/XX/XXXX my financial data are not transmitted correctly anymore to some credit bureaus. 

After complaining in XXXX to the XXXX and XXXX  among others, I don't see any tangible results and again the past week I've been refused a credit card at XXXX XXXX and I've been refused to open a XXXX XXXX  XXXX account for exemple. 

XXXX XXXX, in their refusal explanation letter ( Adverse Action Letter attached ) stated clearly that my credit score is missing and not available. They use XXXX, XXXX, XXXX and LexisNexis. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an SBA EIDL loan for our partnership and I need other banks as XXXX XXXX is winding down its retail market to close by end of this year they said in a letter. 

Thanks for your assistance in this issue. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an email that appeared to be from my real estate agent stating that HUD does not accept cashier 's checks for closing costs and that I needed to wire my funds of {$9000.00}. When I replied with a not so nice email complaining about the changes in the process I was emailed the wiring instructions that now appeared to be from my mortgage agent. 

The information given to wire the funds is as follows : Bank : Wells Fargo Account name : XXXX XXXX XXXX XXXX XXXX   Acct no : XXXX Routing : XXXX Bank address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Remembering the details of my " Wire Fraud Warning Notice '' I received from my mortgage agent I immediately called her to confirm she NEVER sent any such instructions. 
If this person is caught I am afraid they now have my new home address.

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 2018-06-25
Company: Navient Solutions, LLC.
State: TN
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 made a payment of {$600.00} in XX/XX/XXXX for my student loans. Navient withdrew the {$600.00} from my bank account on XX/XX/XXXX. The payment was never reflected on my Navient account history, only showing two payments of random amounts ( Estimate of {$58.00} and two payments equaling around {$9.00} ). 

I contacted Navient in XX/XX/XXXX to resolve this issue and was informed that the payment " probably '' hasn't been posted to my account yet and to just be patient. It is now the end of XX/XX/XXXX and the {$600.00} payment that they received and withdrew from my bank account has still not reflected on my Navient account history. 

I contacted them again today, XX/XX/XXXX, and was told by a representative that they do not see where I made a payment of any amount in XX/XX/XXXX and asked me to send a copy of the bank transaction to them via FAX. 

I have sent them a copy of the transaction on my bank account as well as screen shots of my Navient account history. Navient has shown to have poor business practices and is already in a lawsuit with CFPB. I am asking for help from CFPB in resolving this issue as I am worried this will not get resolved unless I get outside help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: BB&T CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have setup autopay with XXXX XXXX. XXXX XXXX, recently transferred their loans to XXXX XXXX and I had to figure this out on my own before I could make payments. Unfortunately, I have been delinquent for over 30 days since I did not know my autopay has been terminated. 

I have only received one letter from XXXX XXXX on XX/XX/2017 and two phone calls ( last week and XX/XX/XXXX ) with no description of their service other than to call a number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Contacting you all again. I tried to get a personal loan from my bank that l I've banked with for over 10 years and I was denied. When I asked why they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. These items are still on my report : XXXX. XXXX 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 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX ( ACCOUNT # XXXX ) IS LISTED ON MY TRANSUNION TRADELINES AS AN ADVERSE ACCOUNT AND REPORTING 30 DAYS LATE IN XX/XX/2019. THIS ACCOUNT WAS PAID ON TIME. I CONTACTED THE COMPANY AND DISPUTED THIS ACCOUNT WITH TRANSUNION I SPOKE WITH A REPRESENTATIVE AND HAVE RECEIPTS TO WHERE THIS ACCOUNT WAS PAID ON TIME. 
WHEN I DISPUTED THE ACCOUNT WITH TRANSUNION THEY STATED THAT THEIR INVESTIGATION CONCLUDED THAT THIS REPORT WAS BEING REPORTED ACCURATELY. THERE IS NO WAY THAT THEY COULD HAVE INVESTIGATED MY DISPUTE FAIRLY BECAUSE THEY WOULD HAVE SEEN THAT THIS ACCOUNT IS BEING REPORTED IN ACCURATELY AND THAT THE CREDIT UNION HAS ACKNOWLEDGE THAT THIS ACCOUNT WAS PAID ON TIME.

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 2017-11-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Yesterday evening, XXXX XXXX, 2017, I was in the XXXX XXXX XXXX Store ( # XXXX ) and purchased a XXXX  bundle. 

I had had a XXXX XXXX credit card for years, also through citibank, ( always in good standing ) however earlier this year it had been shut down due to inactivity. To purchase my new camera and take advantage of the 18 months zero interest financing that was being offered, I applied for a new XXXX XXXX  credit card ( through Citibank ) in-store. Before approving me, the sales rep was prompted to call the bank for further information. I spoke with them, verified my social, DOB, address, and cell phone number where they sent me a text with a code that I had to read back to them. Thereafter I was approved for a {$6000.00} credit limit. 

After attempting to use my new XXXX XXXX credit card to make my purchase of {$2100.00}, it was declined. The sales rep was then prompted to call the fraud department. The fraud department with the bank kept me on the phone for well over 30 minutes ( and after the store had already closed ) transferring me from person to person keeping me on hold for extended amounts of time which seemed intentional, hoping I would give up and disconnect, and then finally sent me to a manager. The bank told me they could n't verify my identity because my cell phone number did n't come up in my name when checking public records. Yet, the SAME bank just verified my identity by sending me a text message that I had to read back to them- which was good enough to approve me for a credit card but not make a purchase? How my phone number has anything to do with my new credit card I was approved for I do n't know ; however, checking public records and using the information to determine credit eligibility and verify someone 's identity is against FCRA, the Fair Credit Reporting Act. It is absolutely ridiculous that they 'd approve me for a credit card, however, would not allow me to use it. At the end of it all, I applied for a credit card, which hurts my credit score, for a credit card that I was n't allowed to use and now absolutely refuse to use. 

I worked at XXXX XXXX for over 3 years and have never seen this type of thing happen, not once. I plan to take this as far as I need to get this rectified. 

Thank you for your time.

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 2021-06-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Tribal Lending Enterprise, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter ( in mail ) from Golden Valley Lending ( 'GVL ' ) regarding the pending default on a loan. I have never had a loan or done any business with GVL. I called the customer service number and they indicated it was a for small unsecured loan of {$1000.00} distributed via ACH on XX/XX/2019. No such distribution was received and I believe that, if the distribution ever occurred, it was done fraudently to another individual using my information.

Per directions, I initiated a complaint with the complaint department at GVL. They have indicated that the actions have been placed on hold for 30 days for supporting documentation to be provided.

Since that point I have initiated fraud alerts with the credit reporting agencies ; am working to provide the requested information including a filed complaint with my local law enforcement agency. In addition, I am in the process of filing an Identity Theft report with the FTC.

Personally, I believe that the loan may never have occurred and GVL was using
the letter and other actions as part of a larger scam. I have no evidence of this, however, I have read several accounts online, including this site, of others having this problem with GVL.

My understanding is that filing this complain will allow me to see what documentation GVL has with regard to the alleged loan.

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 2019-09-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First..this company called my brother..told him l was bring sied for a DEBT..then told him l needed to call right away..the number l called was XXXX XXXX XXXX..at XXXX XXXX XXXX ... xt XXXX ... asked for info he was vague about the debt..and claimed to be filing a lawsuit..l had s credit card from hsbc but didn't use it..returned the card..didnt like all the fees..had a XXXXlimit but feed ate up XXXX $ of it..sent it BACK cut up..l am XXXX that this was an egregious anf illegal attempt to het money..they clsim to BE sending a letter..but THEY SAID that 5 other times..l want this stopped..and immediately closed out as invalid debt ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Capital One and Capital One XXXX charges my credit card for a hotel reservations made for XX/XX/XXXX. 
When I arrived at the hotel there was a sign on the door stating it was closed due to the XXXX XXXX issues. 
I was unable to stay at the hotel and Capital One travel still charged my card for XXXX nights. 
I have tried numerous times and explained that I could not stay at the hotel because it was closed upon my arrival due to the Pandemic.

They have refused to reimburse the charges and even after I sent documentation from the hotel stating that it was closed and I could not stay there, they still refused to reimburse the {$270.00} in charges that their company charged on my card. 
I have provided all the documents they have requested to show this and to this day they still refuse to reimburse those charges.

Company response to consumer: Closed with explanation