BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-06
Company: CITIBANK, N.A.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I always pay my debts on time. I paid my Macys card in full and put the card away. I went on vacation and returned and found that there was an unpaid XXXX  dollars of which is not a credit debt  but a FEE they charged for their card not upfront as disclosed but almost four months into the card issue. Reporting it as credit debt not paid is incorrect. It was an after the fact, fee not disclosed when I opened the card in the store with the salesperson. It was my understanding that when I paid my amount in full  that fee was PART of the extended credit debt. It was underhanded and has caused me no amount of frustration as the only negative on my credit report. I have tried to dispute this issue since it occurred and have received no relief. I want this removed from all three of my credit reports.
 
XXXX/XXXX   #XXXX****
XXXX XXXX XXXX XXXX OH XXXXXXXX XXXX 
Date Opened:XX/XX/XXXXResponsibility:Individual AccountAccount Type:Revolving Account
Loan Type:	CHARGE ACCOUNT
Date Updated:XX/XX/XXXXPayment Received:$XXXXLast Payment Made:XX/XX/XXXX	Pay Status:Current; Paid or Paying as AgreedTerms:Paid MonthlyDate Closed:XX/XX/XXXXDate Paid:XX/XX/XXXX
>Maximum Delinquency of 60 days in XX/XX/XXXX for $XXXX<
High Balance: 
High balance of $XXXX from XX/XX/XXXX toXX/XX/XXXX $XXXX from XX/XX/XXXX to XX/XX/XXXX; $XXXX from XX/XX/XXXX toXX/XX/XXXX
Credit Limit: 
Credit limit of $XXXX from XX/XX/XXXX to XX/XX/XXXX; $XXXX fromXX/XX/XXXX to XX/XX/XXXX; $XXXX from XX/XX/XXXXto XX/XX/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 2020-02-22
Company: DISCOVER BANK
State: NY
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:
I have submitted 2 complaints already about my discover card. Yesterday XX/XX/2020 I was able to get online to view my account and make a payment. Today I can't get online again. I've called several times and they will not fix this problem. I also received 2 letters from them the other day. One states the re-investigation is closed and the other one states the investigation with the fraud charges were approved and in my favor. However there is a discrepancy of {$1000.00} still not credited back to my account. I don't no what they are doing but I am fustrated at the fact that I can't even get online to view my account. They are giving me a very hard time in resolving these issues. I expect to be able to get back online and keep a tab on my account along with getting the credit back to my card that was fraudulantly taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have called by phone multiple times, emailed multiple times ( XX/XX/XXXX and XXXX and XXXX ) for which I have copies, and sent a written letter on XX/XX/2020 to my mortgage servicer, Wells Fargo Bank, requesting a 6 month forbearance under the CARES Act as I have had not income for nearly 2 months and my business has had a 90 % reduction in income due to the Pandemic. I know that XXXX XXXX   owns my mortgage. I have been put on hold for hours, and had only form emails and letters in return none of which is in reply to my clearly expressed request for a 6 month forbearance. Wells Fargo has replied in a form letter that I will have a 60 day deferral at which time i will owe full back principal and interest as a balloon payment. I do not have any other options to contact Wells Fargo and all attemts to communicate which have taken hours do not get me to a real person but only result in form letters that are not responsive to my direct request made with identifiers of my loan number and numerous ways to contact me. 
Please help me get a direct response to a simple direct request that I know is provided for by the CARES Act that I will receive 6 months forbearance.

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 2017-09-29
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Financial Credit Network has collected every closed fraudulent account against me, reopened the accounts and are trying to collect on the fraudulent accounts which were closed.COLLETIONS
Fin Cr Netwk
Opened XXXX XXXX, XXXX
+
XXXX
Original creditor: 10 XXXX XXXX XXXX
Fin Cr Netwk
Opened XXXX XXXX, XXXX +
XXXX
Original creditor: 10 XXXX XXXX XXXX
Fin Cr Netwk
Opened XXXX XXXX, XXXX
+
XXXX
Original creditor: XXXX XXXX XXXX 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 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion has a wrong name XXXX XXXX XXXX listed and several collection items which are listed which are unknown. I have requested several times these things be removed and nothing has transpired. Please help

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 2022-04-27
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chronology of Contacts with Ally XX/XX/XXXX transfer request for IRA in amount of {$68000.00} was initiated via facsimile XX/XX/XXXX Ally called to say signature faint XX/XX/XXXX transfer request resent with dark signature XX/XX/XXXX multiple calls to Ally told signature faint. Eventually told Ally said signature faint. Left numerous messages for spoke with XXXX, XXXX, XXXX XXXX, XXXX, XXXX. No phone calls returned on XX/XX/XXXX Executive leadership team would call with 1-2 business days. 

XX/XX/XXXX Resent transfer request for third time via XXXX  overnight delivery. 

XX/XX/XXXX spoke with XXXX XXXX XXXX- no idea where the transfer request is. According to XXXX Transfer request was received by Ally on XX/XX/XXXX @ XXXX XXXX 

XX/XX/XXXX spoke with XXXX who assured she would follow up but had no idea where the transfer request form was. 

XX/XX/XXXX spoke with XXXX, XXXX- no idea on where the document was. 

XX/XX/XXXX spoke with XXXX who was trying to find out if transfer request form was in the mail dept., imaging dept., operations dept., transfer dept. she promised to call back in 15 minutes. Did not call. 

XX/XX/XXXX spoke with XXXX - no idea where document was - refused to take a message for XXXX or any other supervisor to call back. 

XX/XX/XXXX spoke with XXXX - form received yesterday and is being escalated for processing. 

In the course of this issue, messages were left for and requested phone call returns were requested from multiple people, including general supervisors, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. Other than XXXX on 2 occasions, no phone calls were returned.

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 2017-07-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my property  XXXX    XXXX  ,2017 and on  XXXX   XXXX ,    2017  requested a Breakdown of the {$60000.00} charged for the " Shared Appreciation Amount '' from Ocwen  Loan Servicing.    XXXX  On  XXXX   XXXX ,  2017 I received a letter ( a ttached ) stating that I only should have paid {$9800.00} for th e " Shared Appreciation Agreement '' ( a ttached ). Ocwen charged me {$60000.00} through escrow and I have not received a refund.   XXXX  On  XXXX   XXXX ,  2017  I requested a refund on the {$50000.00} for over payment. ( attache d ) No res ponse from Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I purchased $XXXX worth of Litecoin on XX/XX/XXXX at approximately XXXX XXXX Eastern Time.  My debit card was charged, but never credited to my litecoin account.  I have E-mailed numerous times, and have not received a resolution to my problem.  It is now 19 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-06-22
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:
On XX/XX/XXXX I applied for a business loan at XXXX XXXX the bank pull up my credit report and declined the loan because I had 3 negative items, that were reporting charged off collections, I was so frustrated because I paid all this accounts on XXXX. My wife registered me at XXXXXXXX XXXX a company that repairs credits in order to accelerate the process because I have paid in full letters from the 3 creditors Capital One, XXXX XXXX and XXXX XXXX XXXX, it has been six months already sending back and force documents to the credit bureaus disputing the accounts, calling the creditors and the only Credit Bureau that deleted this 3 accounts was XXXX on XX/XX/XXXX. XXXX and XXXX  are still reporting inaccurate information, it make no sense that the same 3 accounts were deleted and removed on XXXX report and the same 3 accounts appears still on XXXX and XXXX  having them the same paid in full letters that we send to transunion. Please I don't know what else to do. My wife has been paying since XXXX {$120.00} to XXXX XXXX, {$24.00} to each credit bureau to check the status on the disputes has been 6 months already 180 days, we are struggling with this issue, I do not understand how the 3 credit bureaus has listed the same XXXX accounts information with different status. Please help us resolve this problem that as XXXX XXXX we follow the law by paying this accounts in full and as of today it is hurting my credit report with inaccurate information,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 16 USC 1681. XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX have violated my rights. 15 USC 1681 Section 602 A States : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other the records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-04-23
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 XXXX  claimed that they did a reinvestigation for my XXXX student loan and show the balance as {$1100.00} .XXXX  is commiting fraud they could not have actually performed a investigation because I have a screen shot proof that the balance was XXXX at the time that I filed my dispute.XXXX continues to claim that they are performing a investigation and they are not actually completing a investigation on my disputes.

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 2022-04-27
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my bill and payment for {$40.00} dollars did not go through when it was on auto-bill. After seeing late payments hit my credit report, I reached out to the lender/company and they said that the payments were not accepted because the name on the credit card that was being processed did not match the name on the student loan account. They never notified me of the rejected payment or explained why the payment was rejected and gave me this late payment. I now have difficulties being extended credit because of these marks and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Discover Card jerks harassing me into getting a card. 
Already reported to the FTC. 
FTC does nothing about it. 
I told them to stop calling me. 
They will not. 
I am on the do not call list. 
Well, that list is just a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had closed the Wells Fargo account and confirmed with them that there was not a balance. I found out two months later that they reported me late. I have never been late with them, nor with anyone else for that matter so this reporting is unjust. They admitted that it was their fault and after trying to resolve it with them again after-the-fact, it still goes unchanged on my 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 non-monetary relief
Consumer complaint received 2017-07-10
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:
Chase is in violation of the fair credit reporting act. First of all they abruptly closed down all 5 of my credit cards. I never once made a late payment. This discrimination against me during a time I am in a XXXX in the hospital about to XXXX XXXX XXXX. Then on top of that, they have violated the fair credit reporting act by viewing my XXXX, XXXX and XXXX credit reports. I have proof from all credit agencies, with dates to prove they have done this 6 times with out my authorization or approval to do so. This is highly illegal and I could and can will pursue legal action against them. I am demanding this restriction be lifted from all 5 of my cards and chase to stop violating the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The complaint and supporting documents are attached.This complaint is against Bank of America, N.A.On XX/XX/XXXX, I filed a CFPB complaint against Bank of America. See complaint number XXXX.On XX/XX/XXXX, Bank of America responded in a letter, alleging that it could not respond to my CFPB complaint because of an, “adversarial proceeding” between me and Bank of America. The letter also instructed me to contact Bank of America with any questions. Exhibit APursuant to the letter, onXX/XX/XXXX, I contacted Bank of America and asked for the contact information of its legal counsel in the “adversarial proceeding” referred to in Bank of America’sXX/XX/XXXX letter. See, Exhibit B. Bank of America received my request on XX/XX/XXXX. See, Exhibit C.I have received no response from Bank of America to what would seem to be a very simply question. Does the CFPB not find it odd, that Bank of America will not identify the “adversarial proceeding” it claims to be engaged in, that prevents it from answering my complaint? Further, is it not odd that Bank of America will not provide the contact information of its legal counsel in that alleged “adversarial proceeding?”I am asking that Bank of America identify the “adversarial proceeding” that it claims to be engaged in, that prevents it from answering my complaint. Further, I am asking that Bank of America provide the contact information of its legal counsel in that “adversarial proceeding.”

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