BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: First Data Corporation
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX two ATM withdrawals took place in another state in the amount of {$200.00} and {$160.00}. My card was in my possession. I was also charged six ATM withdrawal fees in the amount of {$2.00}. Two of them were declined fees. I called the XXXX on the back of my ATM/XXXX  card on XX/XX/XXXX at XXXX in the XXXX. My card was cancelled and I was credited the ATM withdrawal fees. I was given steps by the customer service agent to write a dispute letter with my personal information, debit/XXXX  number with the two transactions in questions and fax at ( XXXX ) XXXX. Once they receive the fax someone from the fraud department will call me, and they will also credit the unauthorized funds. I was also given the intructions to call periodically. Since then I have submitted 2nd dispute letter. I have a called every single day, multiple times with no resolution or concerned. Today XX/XX/XXXX I called twice and the first call the customer service agent hung up and the 2nd agent could n't hear me and disconnected the call. XXXX XXXX/XXXX XXXX XXXX is who I have had an account for the past six hears. Please advise. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: LA
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 have asked Equifax to remove all unknown inquiries that are listed below that ca n't be verified as mine and they refused to help.
1. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CITIBANK, N.A.
State: AZ
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:
Citibank closed my credit card account XX/XX/XXXX for " inactivity. '' I've had this account since XXXX, it has a {$0.00} balance, and helps my credit score. The company never told me I was in danger of having it closed -- they just closed it and notified me. This is wrong. I should have the opportunity to use the card if I know that it's in danger of being closed. 

I recently took out some loans to buy a condo and a tiny home rental, so these loans are backed by real assets. My credit score is still very good. The company should have at least contacted me. Instead, they arbitrarily canceled my card. Where am I going to get a new card with such long history?

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 2021-06-29
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ] Dear Credit and early earning services, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME XXXX Contributors-XXXX  XXXX-Alabama Account XXXX Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-JP  Morgan chase Account XXXX Routing # XXXX FRUAD EMAIL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Sequoia Financial Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently been informed that there is negative information reported by Sequoia Financial Svcs in  the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote Sequoia Financial Svcs requesting documentation and record dispute while they have the opportunity to respond. I also wrote Sequoia Financial Svcs a second final goodwill attempt request for verification documentation on XX/XX/2018. Sequoia Financial Svcs has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that Sequoia Financial Services had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against Sequoia Financial Svcs, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
I have a VISA credit card with Bank of America that I set up to use auto-pay, which is their system for setting your checking account to automatically pay off the statement balance on the credit card each month. I had it set up to pay the full statement balance by the earliest delivery date. When choosing the earliest delivery date option, their system requires you to set an amount limit. If the statement balance is over the amount limit the auto-pay will not pay off any of the balance until you log in to your account. 

I logged in to my account and saw that my balance was much higher than it should be, {$810.00}. I discovered this was because my last statement balance was {$500.00}, over the {$500.00} limit I set, so it was never auto-payed, and then additional charges I made brought it up to {$810.00}. The credit card only has a {$500.00} credit limit, so it shouldn't have been able to go above the auto-pay limit in the first place. If I hadn't happened to log in to my account at the right time, I would have assumed auto-pay was working and missed a credit card payment. 

This system seems designed to lure unsuspecting customers into missing payments and accruing interest. By forcing you to set up an auto-pay limit and also allowing you to go above the credit limit on you card, they lull you into a false sense of security that your autopay will always go through as planned when in fact it won't.

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 2021-06-29
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police 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 2021-06-29
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
U.S. Bank sent me two escrow shortfall statements within months of each other. In XXXX, my mortgage insurance was supposed to be removed. I was advised this a year ago by a U.S. Bank employee. I contacted U.S. Bank in XXXX and they sent a letter advising the mortgage insurance would be removed. Thereafter, my payment went down approximately {$220.00}. However, I received an escrow shortfall statement advising {$100.00} would be deferred over the next year ( which would increase my monthly payment ). I paid it in full and delineated it to be applied to the escrow. Thereafter, not even two months later, I receive another escrow shortfall notice, now advising {$190.00} is due. I just paid the {$100.00} in XXXX! I called and spoke to a rep who was unsure of what was going on, advised continuously that she had to look over my records, said it was due to the mortgage insurance being dropped, and just seemed so unsure, I figured I'd send an email. I sent an email the same day, around XX/XX/XXXX or XXXX, and to date, I have not received an answer from U.S. Bank. I advised them they collected mortgage insurance from me for months when it should have been removed, and hit me twice for a total of {$290.00} for an escrow shortfall but won't answer me about why they collected mortgage insurance longer than they should have. I emailed twice and to date have not heard back. Also, the U.S. Bank website in my account doesn't show the emails I sent, only the ones they send. I'm so disappointed. I've maintained a good payment history and relationship with U.S. Bank and feel they can at least dignify me with a response to my concerns. I don't understand this process and asked for clarity but they refuse to answer me. Is this something a lender can do? Charge me a shortfall twice, within two months. They tried to increase my payment more than {$20.00} after removing the mortgage insurance ( first shortfall of {$100.00} and the second of {$190.00} ). Is this normal? Why is it fair that they can collect mortgage insurance for months after I met the equity requirements to have it removed, and then come to me twice to increase my payment? This isn't fair 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 non-monetary relief
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Capital One Bank XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: DISCOVER BANK
State: MN
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:
I had a previous Discover credit card account that was discharged in bankruptcy court under Chapter XXXX bankruptcy on XX/XX/2020. I have applied for a Discover Secured credit card so I can build my credit. Discover keeps denying my applications for credit due to the previous Discover credit card account I had with Discover and the fact, the previous account was discharged in bankruptcy court. Discover is discriminating against me by denying me credit. Thiss a major infraction and violation of the Equal Credit Opportunity Act ( ECOA ) under federal law. A representative from the U.S. Department of Justice informed me they are going to investigate my complaint against Discover and open up a federal investigation into Discover business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Mercantile adjustment bureau placed a collections account on my credit report without my knowledge of the debt. I never received written notice that the account was turned over to them by XXXX XXXX. I contacted Mercantile Adjustment Bureau and advised them of this issue and told them I would like to dispute this account. XXXX XXXX continued to bill me after services were canceled. I explained this to the Customer service agent with Mercantile and requested a copy of the final bill from XXXX XXXX  and they stated they did not have to provide that to me and that I needed to just pay the bill. I explained to them that I would pay what I owed to XXXX XXXX but would not pay for services not rendered. I also advised Mercantile that this needed to be removed from my credit file immediately and they refused to do so. Mercantile Adjustment Bureau is in clear violation of FCRA regulations by not providing written notice of this debt before placing this on my credit file. They are also in clear violation by failing to provide the bill from XXXX as requested. This needs to be removed immediately from my credit file. If they fail to remove this immediately, I will seek legal action against them. They have 10 days from today to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I previously sent you a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. You took the 30 days required by law and still you failed to provide the necessary proof of these inaccuracies. You are required by law to have the original creditors documentation on file to verify this information. 
You have failed to comply with Section 611 of the FCRA and I demand these accounts be removed from my credit report immediately! 
I have also requested that all unauthorized inquiries be deleted from my credit file. You have failed to do so and I demand that any inquiry that does not have my signature attached to it be removed immediately

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 2021-06-29
Company: Experian Information Solutions Inc.
State: MN
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:
The following public record and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report, is inaccurate, incorrect, and not my public record or credit inquiries : Bankruptcy Chapter XXXX Discharged, XX/XX/XXXX, XXXX, XX/XX/XXXX and 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 2021-10-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I was notified by the merchant XXXX  that I had a refund available to me totaling {$1100.00}. I had two options, to receive XXXX credit or have the amount refunded to my credit card. My credit card account, a Chase United Mileage Plus credit card, had been closed in XX/XX/XXXX. I called the number on the back of my card ( I still had the card in my possession at the time ) to find out what would happen if I requested a refund sent back to my closed account. After speaking to a manager, I was notified that if I notified Chase card services of the refund to my closed account, I would be sent a check for the balance to my address on file. I was notified Chase Card Services would hold my funds for 60 days before returning to the merchant. 

I went to the Chase branch near my house on XX/XX/XXXX and requested a banker to help me send notification to Chase Card services including the Transaction ID and all other necessary details regarding the refund to my closed account. She was gracious and helped me fax the information to the correct party. I was expecting a refund check within the next 2 weeks. 

Instead, I received a letter form Chase XXXX XXXX that the refund was not found in their system. I figured I would wait to see if it showed up in the next 10 days ( I was told it could take up to 10 days to receive the refund from XXXX ). 

On XX/XX/XXXX I went back to the Chase branch by my house and asked to send an additional fax with the same information as before to Chase Card Services. About a week later, I received a letter dated XX/XX/XXXX stating that Chase Card Services received my refund and returned the funds to Kiwi.com on XX/XX/XXXX. Chase Card Services told me in this letter to contact XXXX for my refund. 

XXXX is unresponsive and can not be contacted by telephone or email. I sent them a message from my account on their website on XX/XX/XXXX and have not received a response. 

On XX/XX/XXXX I returned to the Chase branch by my house. After spending 1.5 hours on the phone going back and forth with representatives from Chase Card Services, the problem has still not been resolved.

As far as Im concerned, the problem is with Chase Card Services not adhering to their policy of sending me a check for my {$1100.00}. They had no reason to return my refund to Kiwi.com after I had notified them in writing of all information they needed to process the refund and send me a check in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: DISCOVER BANK
State: NC
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 have contatced DISCOVER Card a total of 15 times either by phone or mail since XX/XX/XXXX when the first DISCOVER Card account was open then in XX/XX/XXXX another DISCOVER Card account was opened. I have made numerous attempts to get this cleared up and removed from my XXXX credit report. Neither XXXX  or DISCOVER has tried to assist me or tell me what I need to do on my end to get this resolved. I keep receiving letters from DISCOVER staing they will not review. I feel like I am being singled out by a company that I have never dealt with my identity was stolen in XX/XX/XXXX. I have sent them a copy of my police report that didn't make a difference either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: CA
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:
Hello I tried several times to have my loan with XXXX resolved after they unfairly repo my vehicle on XX/XX/XXXX, fortunately, recent my Attorney general from the state of California announced that a settlement has been reached and XXXX has agreed to remove all negative information from my credit report and completely paid off any amount of money that was owed to them, I tried to speak to someone at XXXX but they have not answer nor return my call. 

Please see the below as a reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California Attorney General XXXX XXXX today, along with a coalition of 33 other attorneys general XXXX announced a multistate settlement with XXXX XXXX XXXX XXXX ( XXXX ) that includes over {$550.00} XXXX in nationwide relief for consumers XXXX California consumers will receive over {$99.00} XXXX of that amount. 

As part of the settlement, XXXX will provide over {$99.00} XXXX in relief to thousands of California consumers who XXXX approved for its abusive high-cost loans. Consumers with the lowest quality loans who had defaulted as of XX/XX/XXXX, and have not had their cars repossessed, will be allowed to keep their car and have any deficiency balance on the loan ( up to a total value of {$45.00} XXXX in deficiency waivers nationwide ) waived. XXXX will also waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buyback.

Company response to consumer: Closed with explanation