BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: CITIBANK, N.A.
State: DC
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 made the final payment electronically, for the outstanding amount ( balance ) due on my credit card account. Once that payment cleared my bank account, I wrote a letter requesting that my XXXX balance Sears/Citibank credit card be closed, effective as of the date of receipt of the letter. 

The letter was mailed certified, return receipt reqested ( U.S Postal Certified receipt-artical # XXXX XXXX XXXX XXXX XXXX ). Bar code # XXXX XXXX XXXX XXXX XXXX XXXX ). The returned receipt vertifying that the letter requesting my account closure was received. 

Approximately, three weeks later, I received a statement showing a XXXX balance, in my account along with a New credit card. I have not activated the card, nor do I intend to do so. I am requesting that the FTC-Consumer Finance Agency/department assists me in getting Sears/Citibank to close my credit card account as per my request.

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 2017-12-14
Company: AMERICAN FINANCING CORPORATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was turned down for a refi by XXXX XXXX a XXXX XXXX XXXX at XXXX XXXX XXXX in the beginning of XXXX. XXXX told me to keep my credit score up and in XXXX of XXXX I should call her and she would get the refi starting again because that is when I would have 12 months of on time payments. I called XXXX on XX/XX/XXXX and reminded her she said I would be good in XXXX to get the refi with cash out. I send in all the paperwork she requested and had a home inspection on XXXX XXXX. I spent money and time fixing all the items and issue the inspector brought up. I called XXXX onXX/XX/XXXXecause I hadnt heard from her and to find out when the inspector will do the final inspection since I did all the work. She called and left a message while I was at work on XXXX XXXX, I called her back within 15 minutes, but didnt hear from her again until XXXX XXXX when she told me I was denied. 
I always had to call and email multiple times to get a response from XXXX. I was very upset that the refi wasnt going through since XXXX had told me not to pay my XXXX mortgage. She said she told me to hold it, but she didnt ever tell me that nor act like the loan wouldnt get approved. I called her boss, XXXX XXXX on XXXX XXXX and asked him to pull the call to verify that XXXX told me not to make the payment and never mentioned to hold it in case. He said they didnt record their calls, but I told him every time I called, the message said the calls were recorded, and he said we dont record all of them. I asked him to be compensated {$1100.00} so I could make my mortgage payment on time. He said he would put the request in, but the most that has ever been paid was {$100.00}. 
On XXXX XXXX, XXXX boss XXXX called me and apologized and offered my {$100.00} for the problems with my refi and said he would be taking XXXX bonus for her error on this refi. I asked for him to give it to me then since she cost me to be late on my current mortgage. He said I cant do that. 
On XXXX XXXX I received an email from XXXX XXXX saying she would have the check cut for me on Friday XXXX XXXX. She later called and said no one was there to cut the check and I didnt end up getting it until XXXX XXXX. I think that paying me {$100.00} and taking XXXX future bonus shows wrong doing on their part and should be compensated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20
Company: MOHELA
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:
opens were open fraudulently, and without my knowledge. they are affecting my day to day life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$32000.00} ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$6400.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 submitted a letter to the Credit Bureaus to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINTS, and I'm including it again. 

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 non-monetary relief
Consumer complaint received 2023-05-16
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an old medical debt where I was charged incorrectly at the hospital. The charges were disputed but sent to a collection agency. The collection agency attempted to collect but I refused the incorrect charges. The collection agency then kept the entire debt collection and multiplied it by fake selling it to other collection agency 's who ended up on my report. The other collection companies attempted to collect on the same exact debt thus multiplying the debt excessively and caused excessive damages to my XXXX XXXX. I contacted XXXX and XXXX to have the debt disputed and removed. XXXX understood my complaint and removed the debt that was violating the FCRA ( fair credit reporting act ) XXXX on the other hand has not responded to my disputes and every time I call them I end up talking to someone in XXXX who has no idea what is going on. I want XXXX penalized for continuing to report my score incorrectly for so long and I want that excessive debt removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a gift card from a family member for XXXX ( {$100.00} value ). When I Peeled off the sticker to reveal the gift code, it damaged the card. The code was illegible. 

I contacted XXXX XX/XX/XXXX and they referred me to XXXX XXXX ( incomm.com ), their partner company that issues the card. 

I complied with the link, leaving my contact information ( multiple times ) and did not hear back from them. 

I contacted XXXX again and was told they could do nothing and did not have a phone number for XXXX XXXX  ( incomm.com ). I followed up with an e-mail and was given the same incomm.com link on XX/XX/XXXX. 

I tried several more times to request help from incomm.com, with no response. 

I Contacted XXXX again on XX/XX/XXXX and was given a contact number XXXX to contact XXXXt XXXX I was prompted to use a credit card to be eligible for a {$100.00} credit. When I spoke with an agent and told him why I was contacting them, he hung up. 

I have the card, never used, and my family member has the receipt for the card and its purchase. It is unacceptable to have to wait this long for any response AND that a major company will not address this issue with their partners.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2019 my Venmo account was frozen, it is attached to my email XXXX phone number XXXX. With it frozen I was not allowed to move my Venmo balance of over {$1400.00} I reached out to customer support with no help other than a specialist will email. They reached out stating I owed a balance of {$270.00} to Venmo. I told them that my balance can be taken so I can resume use. They agreed as well. 

It was finally taken on today on XX/XX/XXXX plus an extra {$200.00} was taken which when I called today they exclaimed they did not know how this was happening. Even after it was taken, my remaining balance still can not he withdrawn to my bank account linked. 

To make matters worse they have been deceiving as on XX/XX/XXXX, I received an email from a XXXX XXXX who is an account specialist. He stated in his email that my balance was available for withdrawal as early as XX/XX/XXXX, which is incorrect as I still can not. They are also quite unresponsive as I have emailed the email they told me to reach out to multiple times to no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical  verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX   XXXX ; XXXX XXXX  XXXX XXXX ; XXXXXXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
SHOWING 4 LATE PAYMENTS I WAS NEVER LATE AND IVE ASKED THEM TO REMOVE THEM CAPITAL ONE REFUSED. I HAVE NEVER BEEN LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
XX/XX/2020, American Express Credit Card Company closed all my 5 credit cards ( 3 biz card + 2 personal card ) suddenly without any inquiry or conversation with me. The reason for closing my account is not being used for intended purpose. I called them multiple times to figure out what is not being used for intended purpose. They never gave me a clear answer. 

My personal guess is because that I carried high balance ( over XXXX ) at that moment as my business do have a temporary need for credit at that moment. They may have a concern that I have trouble to pay the balance down. 

But in reality, I managed my business very well and I could and would pay the balance down as I have done in the past 15 years. By XX/XX/2020, as arranged, I paid all the balance off, XXXX balance was left. There are no balance left in my account anymore. 

These payments have been well planned and arranged before I use those credit cards. 
I made these payments in time, which not only proved that my commitment is not speculated, but true ; also proved I am the loyal, caring, disciplined customer as I have been in the past 15 years. 

Then I called American Express Credit Card Company to see whether they can help me reinstate my credit card. The customer service department saw a restriction which they don't know how to remove those cards. They failed to help me reinstate my cards. 

Now the COVID-19 crisis is still going on, my business could help my family, and help maintain several jobs at this extremely difficult time. The shut down of my american express credit cards disrupted my business a lot. This action is not only to hurt a loyal customer ( 15 years good history ) with some decision made with insufficient information, also hurt all the peoples who are involved in my business, the vendor, the ligistics and so on. 

I don't think anyone will benefit from this wrong decision, including American Express Credit Card Company. 

The wrong doing should be corrected, and the justice should be maintained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I opened a new checking account with Chase online. The account set up process was seamless and included an identity verification check as well as a XXXX XXXX report. Upon opening the account, I immediately funded it with a XXXX transfer from my account at XXXX XXXX XXXX. I assumed the entire process was fine and I would have no issues as I've been an existing Chase customer and had a relationship through my Chase Sapphire Preferred card. 

On XX/XX/XXXX, I received an email from Chase informing me that my account was restricted and that I had a new letter on my online portal. The letter informed me that my account was being closed but that I had the opportunity to prevent the closure if I called XXXX. Later that evening, I called the XXXX number and spoke to a representative that informed me that I needed to verify my address using 2 forms of ID at a local chase branch. 

On XX/XX/XXXX, I went to my local Chase branch ( XXXX XXXX, FL XXXX ) where I was informed that there was nothing they could do to prevent the closure as the account had already been closed and could not be reversed from their side. I tried to explain that I had called only yesterday and spoken to a representative who said the only thing I needed to do was verify my address. They said that there was nothing that they could do to reverse the closure at the branch except schedule another appointment next week to open a new checking account. I was told I would be mailed a check with the money I used to fund the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
All these credit bureaus have been using and taking advantage of my trust and liberty as and American.My whole entire life Ive had these companies lie to me repeatedlyIve wrote letters.Ive called these companies..They lie on banks and the banks blame them. : ( ( Ive been DENIED MY WHOLE LIFE while these companies leave soft and hard inquiry on my report WITHOUT CONSENT.Reporting XXXX : : ( ( Old addresses just complete untrustworthy companies.I am appalled that this is allowed as a beneficiary that these thieves think they can repeatedly deceive consumers like myselfI am the CREDITOR not DEBITOR.All these violations should be payed back in FULL .They also breached my DATA so alone on that is XXXX max out of pocket and I expect that back in full.My credit score should be over 800 and all bad inquiries off now.Im over the XXXX and Im putting you on NOTICE as of now to fix this or you will pay for deceiving me as a consumer and violating my trust

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 2023-04-27
Company: Experian Information Solutions Inc.
State: IN
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IN XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-12-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on this site you state that 'You can not be charged a late fee if you paid at least the minimum amount due and your payment was received by XXXX XXXX. ( in the time zone where payments should be received ) on the date it was due. ' However, this has not been the case with my TJX Rewards Platinum MasterCard from XXXX XXXX. 

My credit card statement includes the warning : 'Late Payment Warning : If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee up to {$35.00}. ' My payment due date is the XXXX of each month and I have paid at least twice the minimum due each month before the due date, yet I have been assessed a late fees. For example, in XXXX, my due date was XXXX XXXX and my minimum due was {$140.00}. I made a {$200.00} payment on XXXX XXXX, and a {$100.00} payment on XXXX XXXX, yet I was charged a late fee for this billing cycle. 

I called the company and was told that the payment made on XXXX XXXX was counted towards the XXXX billing cycle ( which ended XXXX XXXX ) and thus did not count towards the minimum payment due in XXXX. It also did not count towards the minimum due in XXXX because it was after the due date of XXXX XXXX. Therefore, any payments made between the due date and the 'cycle date ' do not count towards the minimum payment due for either month. I asked to speak to a supervisor on XXXX XXXX ( around XXXX XXXX ) and asked where this was disclosed, the supervisor stated that it was in the terms of service - it took him several minutes to find a reference to it - which stated that only one payment was due per billing cycle.

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 2023-05-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX 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 2023-05-22
Company: Moss Law Firm, P.C.
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: Account information incorrect

Complaint:
The attorney 's office, Moss Law Firm, and the original creditor, XXXX XXXX, are not accurately reporting the original balance on my credit report since the charge-off.

Company response to consumer: Closed with explanation