BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On Saturday XX/XX/2019 and today XX/XX/XXXX I have attempted to transfer funds to my navy federal loan and my navy federal personal line of credit but I have been unable to do so because their online site and their mobile app are both down when visiting the online site there is a notification of the outage being planned but you will only see this after you attempt to log in. There were no indications of a planned outage at their ATM, via a email or text and nothing shown on their website or app in advance of this outage. Customers could have planned in advance for banking transactions if they had known of this " planned outage ''. For me this is causing a tremendous issue because I have a loan payment and A checking line of credit line of credit that is due on the XXXX. In my current situation if I do not have it posted to my account before the XXXX my payment will be reported XXXX days late. This outage should have been something that customers were notified of in advance again so that they could prepare in advance, additionally this outage seems to have been planned on a weekend preceding the due date of thousands of customers credit card accounts, personal line of credit, checking lines of credit, and loan due dates which would be the date of the 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 2018-10-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citibank was ordered by the court to reimburse the over charged interest rate fees. They owed me {$3100.00}, they took the money, applied it to my balance owed on the credit card, dropped my credit card limit, they told me that it was all legal. My question is, is that legal?

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 2017-06-24
Company: INVESTORS BANK
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I missed my payment a few times, not in a row, in the following months after, I paid extra to catch up each month. Instead of applying the extra money to my lateness, they applied it to the principle. The paperwork I received never showed my mortgage as delinquent until a year later. When I tried to straiten it out on the phone, they were rude, and said they could n't go back and change it now. Now I 'm paying hundreds of Dollars in late fees, and I ca n't get caught up.

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 2021-10-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, there was a transaction made from my XXXX account using my Chase account in the amount of {$630.00}. This transaction detail shows on my Chase bank statement as " XXXX payment to XXXX XXXX XXXX '' which is me, however that transaction was not authorized and was taken from my bank account. 

I reached out to Chase who explained to me they could not refund me because it looks as if I authorized the charge. I requested they re open my claim and dig deeper to see that money did not go to me, that my XXXX account was hacked. I have not gotten any where with them. 

I have attached the bank documents. The information shows my name and phone number yet, the bank should be able to see that the bank account that money went to was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection account from CFSI Commonwealth Financial Systems for {$120.00} listed on XXXX report as original source XXXX XXXX XXXX XXXX. Reported XXXX. Disputed with XXXX to verify that I actually own this debt. Have disputed in the past other reporting agencies removed due to cant verify that I owe this debt but XXXX is still continuing to report it although debt has never been verified with original sources of information reported with the original contract or service agreement with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: MS
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:
XXXX, EQUIFAX, & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, EQUIFAX, & XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, EQUIFAX, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: JPMORGAN CHASE & CO.
State: CA
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:
Sir/madam : Re : Chase Bank Visa credit card # XXXX I was vacationing in XXXX XXXX, XXXX when I developed an XXXX and decided to checked in to XXXX Hospital. I was treated and they did other procedures like XXXX that in retrospect I suspected that it was done to increased their medical charges. I was released after 3 days. <P/>To our outmost shocked, I was billed for {$62000.00} in our Chase Bank visa credit card and Chase Bank accepted their charges. We now owe Chase Bank an additional {$62000.00}. We have just received a billing statement from Chase Bank Visa credit card that we now owe them this amount. My visa credit limit is only for {$15000.00}, but Chase Bank billed me way beyond my credit limit. <P/>The XXXX XXXX XXXX in XXXX cost only {$21000.00}. This hospital charged me {$62000.00}, three times of what a patient would pay for an XXXX XXXX XXXX. An XXXX treatment in XXXX would only cost a couple of thousand dollars. I was victimized like other American tourists in XXXX that needed some medical treatment. <P/>Chase Bank is not giving us any protection at all ; because XXXX Hospital could have charged me {$100000.00} and Chase Bank would just go along with it. My wife and I are both retirees and depending on our XXXX pension for our daily existence. We are on a real budget to survive. We saved many years so we can afford a vacation to XXXX. <P/>We can not afford to pay this humongous bill. We just ca n't. The monthly interest and principal on this amount would be around $ 600.00- {$80000.00} a month. There is no way we can pay it. The most we can do is pay this hospital to the maximum limit of our credit card. Prior to my checked in to this hospital, our credit card balance was XXXX and we still have {$8000.00} that we can spend. We are willing to pay the whole XXXX to XXXX just to go on with our life. <P/>Please help to right this unjust charges being imposed on us by Chase Bank. We appealed to them but they refused to listen to our side. They are a XXXX company and they should show more concern of the welfare of their customers and not treat them as trash. They should also be aware of the abuses of hospitals in XXXX to American tourists needing some medical treatments. <P/>Sincerely, XXXX & XXXX XXXX Email address : XXXX Address : XXXX XXXX XXXX, XXXX, Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open new Citibank checking and savings accounts in the branch. But the result was that " we are unable to open an account for you at this time ''. My case was failed by the Citibank screening. I am 100 % sure there is nothing bad in my credit report. I successfully opened a new credit card with XXXX XXXX recently. Citibank did not provide me with the reasons why they were unable to open an account for me, even though I requested. I was just told some backend teams may review my case without any timeline or contacts. I also called the Citibank customer service to get some helps 4 times. But they just forwarded me to different departments. None of them could resolve the issue since they did not have the backend team 's contacts. 

The only document I received from the branch is attached. It just tells me that the account can not be opened without any explanation on the reason details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TD BANK US HOLDING COMPANY
State: TX
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:
I just received my credit report and I see an inquire dated XX/XX/2020 by your company. 
To my knowledge, I did give anyone from your company permission to pull my credit report. I did not file a police report because Im giving your company an opportunity to fix this matter. If this matter is not fix immediately, then I will pursue legal actions. 

Please immediately delete this inquire from my credit reports. 


Please see the inquire detail information listed below : XX/XX/2020 TD AUTO FIN XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Arete Financial Group
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was told by this credit repair consolidation company, Arete Financial Freedom that they would handle all of the debt we named. They were going to contact them as soon as possible. I was also told to contract my debtors and give them an email stating that the company would handle these issues, email, threatening letters and calls. This has not been done since I have had this debt consolidation company.I was also told that I would have to pay them around {$680.00} as of XX/XX/2019 and for 17 more months to start the conversation with the debtors as well as lowing my payments. 
My credit score has been dramatic declining and because of the error that this Arete Financial Freedom company hasn't been reporting properly. That the company has and threatens calls/emails has also been increasing. This wasn't told to me, I was told when I sent all of my debtor consolidation company name, address, email and phone number this awful situation I am in would not happened. My resolution is that every account that was part of this agreement with this Arete Financial Freedom company those accounts must be back into correct standing, and that the late payment be remove. Due to this error of this credit repair consolidation company, Arete Financial Freedom my credit is been damaged and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
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 two checking accounts with Bank of America. On XX/XX/18 I checked my available balance on one of my accounts and it showed {$94.00}. On XX/XX/18, I noticed that my account was over by {$54.00}, so I immediately made a transfer from my second Bank of America account ( internal transfer ) and after reviewing the transactions, I noticed a overdraft fee in the amount of {$35.00} posted to my account on XX/XX/18, when my account still had an available balance of {$94.00}. I contacted Bank of America on XX/XX/18 and first spoke with XXXX in regards to the fee, and asked to speak with a manager to have that fee reversed, since there are transactions still in process and I should not be charged an overdraft fee in advance for transactions not completed and since I never signed for overdraft protection, any transaction that come to my account when there is no sufficient funds should be declined, but instead I am already being charged by Bank of America an overdraft fee for transactions not yet posted to my account. She did not transfer me to a manager or supervisor and started to give me an education session over the phone. I disconnected the call and called Bank of America again and was connected with a representative named XXXX, who said he is a manager in West Virginia. Mr. XXXX  refused to reverse the {$35.00} fee. All my transactions were made as credit and are still in pending status as of XX/XX/2018 and Bank of America already charged me a overdraft fee on XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-03-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 at XXXX I was called by this company, the representative was difficult to hear and was obviously reading from a script, but I heard her say something about attempting to collect a debt and how would I like to pay for it. I just laughed and informed the agent that all of my medical bills are paid for by the VA since I'm a vet and if they want to get paid they need to be contacting them and not me. Then I told her that I didn't know anything about what she was referring to, then when she said the name of her company, I informed her that I just received notice about this bill yesterday and if you want me to try to help you get paid you need to tell me and I will try but you need to give me time. She said she would notate the account. After thinking about it for an hour I thought that them calling me about a debt during the coronavirus pandemic crisis and them calling me the day after I received the letter from them was completely inappropriate. People can't pay their bills now as it is and to call me when they did with what is going on in the world is completely improper, unprofessional, ill-advised or any other synonym you care to use. I did call back and asked to speak to the agent that called me or her supervisor, the person on the phone didn't ask for any information and gave me another number to call to speak to a supervisor, I called the number and received a recording. I did leave a message for a call back which as of now hasn't happened.

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 2021-04-12
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Back in 2013 my phone acctd funnyand started to open my bank accounts and I was seeing activity like my account information being open with out my consent when I got to the problem and reported it to my creditors they have locked my accounts and asked to me change password and phone since them fraudulent accounts starting apperaing on my credit report and I have discuseed this with chase and XXXX they did not listen finally send to the creidt agencies XXXX  and XXXX and for six months the information was removed after thet my information that i disputed after six months came back as accurate with no proof of claim I asked the creditors to send me proof of the debt and a copy of the application for the buiness account they denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC
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:
Infiniti has NOT been reporting my payments to any of the three credit bureaus since XX/XX/2020! I have bank statements and Infiniti  account statements confirming payments and a current status. But if you look at my XXXX, XXXX  and XXXX  reports they all show BLANK reports for the past seven months to date?? PLEASE correct my 2020 payment history on my credit report with XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband took my XXXXyr old son to XXXX XXXX on XX/XX/19 as my son was ill. My husband had to leave during my son 's appointment, so I met him there and continued forward with the appointment. My son was flu positive and received prescription for XXXX. Ms. XXXX noted as my husband and I were both exposed we should consider taking XXXX XXXX. She provided prescriptions for both my husband and myself, which I filled and paid for. Subsequently, my husband and I both received {$89.00} exam bills from XXXX XXXX  for the date of XX/XX/19. My insurance was billed directly but my husband was billed as un-insured as he was not in the XXXX XXXX system ( though we share the same policy ). I called XXXX XXXX to dispute the claims as billing fraud noting these services where never provided to my husband or myself. The representative confirmed they have no vital signs or notes in their system that would indicate any type of exam occurred. He reported it was likely an error on their side and would be resolved. It apparently was not resolved as the bill was turned over to a collection agency. I have paid it as XXXX XXXX correctly played the odds that I would not put in the additional effort to try to fight the collection agency. I do feel this is billing/insurance fraud. We will not utilize their services in the future and will strongly encourage others to avoid XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: NC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2022-01-08
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  just called me and said their 3rd party to this so info is incorrect and should be deleted thanks

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