BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-02
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: Problem with personal statement of dispute

Complaint:
To Whom It May Concern, I am looking over my credit report and see an old late fee from XXXX. I called them back when this late fee first started and they said would take off any late fee ( s ) in terms of this matter where I had paid on the wrong day and there was some confusion on my end. I am an elderly guy. My wife has XXXX XXXX and we are dealing with Covid-19 just like everyone else. I am writing again as an act of good will that this one removal will be gone. Every time I have mentioned about this nobody seems to have on the notes from there customer service any late fee 's I had will be gone. I have been told multiple occasions this would be removed. I understand XXXX has there policy 's and I respect that. It was a mix up. All I can Is I always pay on time and been a loyal customer and with everything going on It would mean a lot to me if this late fee was off my credit report my home # is XXXX Thanks, XXXX. I really would like this to be solved and hope we can all work together during these times.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Incorrect information on my Transunion credit 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 2019-09-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought home on XX/XX/XXXX.Today after 14 months i got 4th transfer ma mortgage to another company.I have no idea that this is legal.But with latest company XXXX   i have issue. 
On or about XX/XX/XXXX I have send mortgage check to them.Up today the do not cash this check.I am worry about consequence.I have sent to them email but, did not answer. 
Could you help me please.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XXXX XXXX, 2017 I contact XXXX, XXXX, and TransUnion concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to remove it.

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: 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 is missing that should be on the report

Complaint:
There was two accounts removed from credit bureau, Trans Unions report, XXXX XXXX XXXX and, XXXX XXXX during a dispute 3 months ago. Trans Union could not fix so they deleted from file on my wife and me. Ive called Trans Union and was told to contact Creditors. I contacted Both creditors and they did a update to both Accounts with all three Credit Bureaus! Now Trans Union is not up allowing, up dates to be put back on Credit File? Thats on my wife and I! Ive called and keep getting nowhere?

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 2019-05-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
USAA XXXX LOAN XXXX I. Am 100 percent service connected veteran exempt from property taxes. I had the county assessor write a letter to the mortgage company verifying this but they are not honoring the letter. They continue to try to collect escrow property taxes from me and are not applying the mortgage payments I am sending every month.They state they have to wait for the second installment in XX/XX/XXXX from the county assessor to verify the exemption, and meantime they are reporting my loan delinquent to the credit bureau. I am paying my mortgage and insurance every month but they are holding it in suspense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I had a unaurthorize charge on my account so reached out to XXXX to resolve it but nothing happened. Several calls has been made to the bank to recover my fees but I was given no answer. I've had an account with XXXX for about 6 months now and I've received so many fees with has caused my account to go negative ... I valued being a customer but I dont like to give away money and because of that I've fallen behind on all of my bills. I have so many fees on my account and I know that its a bank error.

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 2018-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 tried to fix this problem and I would like someone with sense to look into this again. I stated that i was married. I work 50 or more hours a week. Multiple accounts were open in my name with my knowledge because I didn't check emails because my ex wife handled the bills. I disputed an account with Kohl 's department store and they stated that it was indeed mine because the information matches..Of course the information matches that was my wife for 11 years..She had access to those accounts.She stayed at this addresss. Nothing that was purchased was for a man. I would like this to be taking care of because i am taking legal actions because you guys gave her the card.Call the number on the account im sure she will answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX I opened an account with PayPal.com so a customer that owed me money should be able to pay me with his CC, on the same day, PayPal approved the account and the customer received the invoice and paid. 
Originally PayPal said that they will keep the money for 7 days, since it's a new account, on XX/XX/XXXX the day that they were supposed to release the money I got an email saying that they don't want to do business with me. which is ( not ) okay, but they said they're holding the money for 180 days, I tried calling, and there is no one to talk to. 
I asked them to refund the customer, they said they'll still charge the fee, besides, it's not possible to do that either. 
So at this time, no option to refund the customer, they're not allowing me to withdraw the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My kohls charge minimum payment increase to {$75.00} From {$46.00} because I was late paying XXXX dollars that I wasnt aware of. I have not been receiving my emails telling me what i need to pay each month for a few months now, and because of this my account was - {$44.00} over a missing XXXX dollars. Kohls only reversed {$27.00} late fee, and does not want to change or even reimburse me the difference of the {$75.00}. Its not right because had I received that email telling me that my minimum payment was now {$48.00} instead of {$46.00} then I would never wouldve incurred a late fee and I never would have my minimum payment be {$75.00} right now. My email information is correct and Im not sure why I havent been receiving my statement I believe that Kohls should give me the difference back once I make the {$75.00} payment instead of trying to keep the whole {$75.00} because its not theirs.They told me that the bill is generated based off of my balance and interest as well as late fees and etc. so if its generated based off of that then my balance never wouldve been what it was had it not been for that late fee which in turn generating my bill to become {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, a Saturday, I agreed to a {$1.00} charge on my Visa account ( Chase Bank ) to purchase a report I needed for my genealogy work. Within seconds I received a text from Chase Fraud asking whether a charge for over {$18.00} was fraudulent or not. I answered Yes because I had agreed to {$1.00} not {$18.00}. In response to my " Yes '' I was informed that my account was now closed and a new credit card would be sent to me.

I did not authorize them to close my account and when I was asked by text whether the charge was fraudulent or not, they did not inform me that this is what they would do.

I expected that Chase would block that specific charge but leave my account open.

I immediately phoned the company ( Public Records ) and asked them to reverse the {$18.00} charge. They did and I have confirmation of that. 

I phoned Visa/Chase and also attempted numerous ways to contact them by internet to ask that my account be reinstated. The phone tree and computer systems led to the answer that I needed to contact them M - F because they were otherwise closed. I phoned again and waited for over two hours on hold and then their representative said they could not do anything about this. They said I would have to wait for the new card, there was no alternative. 

As you can imagine, it is hugely inconvenient to have to change credit card numbers. I was not asked whether I wanted this to happen and I was not informed that the account would be closed. It feels like fraud on the part of Visa/Chase to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and savings account package with Citibank on XX/XX/XXXX and immediately deposited just over {$50000.00} to take advantage of their account opening bonus offer, which offered {$700.00} if you kept the money in for 60 days. After the 60 days, it could take up to another 30 days to post to the account. The promotion code I opened the account under was " XXXX. '' I verified this promotion code through a Citi customer support person via phone call twice to make sure my account was eligible and would be receiving the bonus. They confirmed that it would. 

I contacted Citi on XX/XX/XXXX and XX/XX/XXXX to follow up and make sure I was still on track for the bonus, as I had read online that other people had issues with actually receiving it. I had one other call that was made to solve a problem I was having with my password, but that was solved without much issue. 

I logged into my account on XX/XX/XXXX to find both my savings and checking accounts closed with no reason given. I checked my email and there was nothing there, either. I received no notice or reason for my account closures. I had to open the customer service Live Chat again to speak with someone who told me that there was no reason for the account closure listed. They asked me to call the account opening department, which at that time had a wait of 881 minutes. How am I realistically supposed to wait that long? 

Apparently, they put my life savings in the mail and couldn't provide me a tracking number. So, it was either wait 881 minutes to try and get a tracking number from a real person or wait for my checks to arrive in the mail. Which, they finally did. 

And when both checks ( mailed separately ) arrived, there was STILL no reason for the account closures. I STILL don't know why Citi closed my accounts and is trying to avoid giving me what I am owed. 

I finally got someone through Citi 's " XXXX '' XXXX account, who followed up with me by phone after the fact. They still couldn't give me a reason for the closures, and assured me that they would be opening an investigation into the issue. This investigation was supposedly opened on XX/XX/XXXX and I was told it could take up to 20 days to resolve. 

I feel like I am being given the run-around. I just want what I am owed. I have attached the chat logs with Citi to this complaint and can provide phone call dates/times if necessary.

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 2021-06-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told if I got a credit card at XXXX XXXX ( Comenity Bank ) and I could save a certain percentage on the bill. I paid the charges within the time frame of a month. I was told I would not be charged any extra fees but was. I feel as though I am being harassed for a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: Commonwealth Health Corporation
State: KY
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 am being billed for a service that was paid by two insurance companies including XXXX and received a letter stating what I am allowed to be billed and they far surpassed that and also being billed for people who were never in the room!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
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: Their investigation did not fix an error on your report

Complaint:
Equifax continues to deny my request to have the XXXX XXXX Hard Inquiry off my Credit Report they have stated that the inquiry is a record of file access. Only problem is that XXXX XXXX has stated that they did not and has never pulled or ask for my credit information. They have even stated that they have even tried to reach out to Equifax tio have the Inquiry removed and they have stated that Equifax has refused to reach back out to them regarding this issue. 

They have since sent a letter to stating that they have never pulled my credit and they have asked for the Inquiry to be removed. The letter has been attached once again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Bread Financial 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: CITIBANK, N.A.
State: MA
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 do not knwo what is going on with this account. There are too many lates on it and this is absurd. I demand an investigation why is this reporting like this because I do not recall having this kind of 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 explanation
Consumer complaint received 2019-09-25
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On/about XX/XX/XXXX, I received a notice from collections agency Capital Accounts claiming that I owed {$53.00} to a company called XXXX XXXX for an XXXX exam I had back in XX/XX/XXXX. 

I replied to Capital Accounts on XX/XX/XXXX via a certified letter ( copy attached ), indicating that I was disputing the debt, and asking them to verify the debt. I also informed them that because I was disputing the debt, they should not report it to the credit reporting agencies, and if they had already reported it, to please contact the credit reporting agencies and inform them that the debt is disputed. I also said that aside from verifying the debt, they should not contact me again. 

I never received any further written communication from Capital Accounts, and certainly no verification of debt, but I did receive at least two phone calls. One of the calls was indeed threatening in nature, where the caller started off the call by yelling at me and saying something along the lines of I had 'better pay up. ' In the meantime, I had reported the issue with the medical provider to the PA Attorney General 's office. The AG 's office launched an investigation, but where unable to resolve the issue with the medical provider. I maintain that the medical provider engages in dishonest billing practices, but decided to just pay the {$53.00}, rather than hire a lawyer. The final letter I received from the AG 's office was dated XX/XX/XXXX. On XX/XX/XXXX, I submitted payment to Capital Accounts via their website. 

I just today ( XX/XX/XXXX) received a recent copy of my credit score, and it seems that Capital Accounts reported the " debt '' to credit bureaus anyway, which I understand goes against my rights as a consumer. I would very much appreciate an investigation into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Loan Care is erroneously reporting 60 day late payments on my credit report for a period of time I never even lived in the home. My home was purchased XX/XX/XXXX and sold XX/XX/XXXX. Loan care is reporting that I have 60 day lates for XX/XX/XXXX and XX/XX/XXXX. I tried repeatedly to have this corrected. Loan Care does not allow you to speak to representatives in their research department and despite bank statements showing payments and verification that the home was sold and payments were made timely, they have not updated the record. I wrote them several times and spoke to several representatives but was never able to speak directly with anyone that was actually responsible for rectifying the issue. I have been working with a consumer credit counselor for 6 months now and they have also tried to have the record updated as this is negatively affecting my credit score and preventing me from qualifying to purchase a home. They have been ignored as well. This is an egregious disregard of the facts and is creating an undue hardship to myself and my family.

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