BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I write to dispute {$32.00} in late charges ( fees and interest ) that Department Stores National Bank, as issuer of my Macys American Express Card, ending in XXXX, assessed against me in XX/XX/2020. 

I opened the card in question on or about XX/XX/2020 and made one charge on that date. My wife paid the corresponding XXXX invoice in full. She mailed the check on or before the due date but, according to the issuer, the payment was not received until a few days later. For that minor delay, the issuer imposed {$32.00} in late charges on an invoice of {$150.00} a penalty of nearly 21 % for a bill that was paid in full. 

I attempted on numerous occasions to communicate with the issuer, by phone and by e-mail, without success. My e-mails have not been returned. And my phone calls resulted in recorded messages saying that no representatives were available and either asking me to call back at a different time or providing unacceptably long hold/wait times. 

Because my efforts to reach a human being were not successful, and to avoid the assessment of further penalties, I paid the late charges under protest, while continuing to request that the charges be removed and the amount I had now paid credited back to me. I have received no response, despite the passage of multiple weeks. 

As a result, I have sent a letter to the issuer, bearing today 's date, directing it to cancel my card immediately. I also advised the issuer that I would be filing a complaint with this Bureau. 

I request two forms of relief : ( 1 ) credit in full for all fees and interest charged in or after XX/XX/2020 ; and ( 2 ) immediate cancellation of the disputed card.

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 2018-02-06
Company: CITIBANK, N.A.
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
I had my card number stolen. Upon speaking to a representative that contacted me they informed me that they would just send a new card and that nothing was ever charged. As a result, there was a charge. Now they are requiring a police report, which was not what I was told. This is a simple lie to a customer and I have it recorded. I am leaving for an extended vacation and they said that this has to be done in two weeks. I understand that the rep was " not trained correctly '' but that is still lying to a customer. 

The representative stated that the charges were all stopped. 

All my cellphone calls are recorded in compliance with Minnesota State Statute.

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 2019-11-07
Company: Experian Information Solutions Inc.
State: UT
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:
Experian is reporting a XXXX XXXX XXXX XXXX # XXXX account in error. This account has already been resolved and should no longer be on my credit. Experian is the only bureau still reporting this collection and it is invalid and should be removed.

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 2019-02-27
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Criminal Extortion DEBITS OF CHECKS {$25.00}, {$25.00}, {$24.00} PROCESSING BLIND FUNDS EMPLOYED AS BANK PROBATE ; PRAECIPES, NOTICES OF APPEAL, BANK STATEMENTS ; XXXX XXXX {$25.00} # XXXX, XXXX {$25.00} # XXXX, HISTORICAL ACCOUNTABILITY WITH HUNTINGTON BANK : TWO PREVIOUS BANKS CRIMINAL EMBEZZLEMENTS ; {$200.00} Deposit Trust Collusion into Checking XX/XX/2019 PARENTS TRUST AND ESTATES LIVING RESIGNED AS THE FUN SUCCESSORS ADOPTEES XXXX COUNTY 2014-PB-v-998, 2016-PB-V-247 ; XXXX COUNTY OHIO COURT OF APPEALS, SEVENTH CIRCUIT COURT ILLINOIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a second mortgage from Bank of America in XXXX. I had problems paying the mortgage in XXXX. I applied for a modification. They kept asking for documentation. I kept sending in the required documents and they never gave me a modification. I could not pay the loan. They would not negotiate any payments. BOA wrote it off as a charge off and now they have assigned it to a collection agency for $ XXXX. I am current on the first mortgage which was modified in 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 2018-05-10
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PROBLEM 1 : XX/XX/XXXX - I spoke to a Regions representative from the Regions Everyday Customer Service Line. I advised her that I had made several purchases since Thursday XX/XX/XXXX to  Sunday XX/XX/XXXX. I kept record for every transaction. When I checked my mobile app before calling her it said I had {$2.00}. Which is true, that should have been the ending balance to cover all transactions. I realized Monday that I had forgot to pay my XXXX XXXX XXXX cable bill and they suspended my services. I knew I got direct deposit so I decided to pay using my overdraft protection since I was opt in and cover the the amount of {$120.00}?? plus {$36.00} when my direct deposit hit. I had money in two other Regions account that could have covered the cable bill, but I want that money on hand in case an emergency arose before direct deposit payday. Before I paid XXXX XXXX XXXX I called and the Representative advised me that my balance was {$2.00} and all transactions were pending and accounted for. SO THAT IS THE ONLY REASON I PAID THE XXXX XXXX XXXX BILL BECAUSE I WAS LED TO BELIEVE THAT THAT WAS THE ONLY TRANSACTION THAT WILL HAVE A NSF FEE. I woke up the next morning to XX/XX/XXXX to $ -XXXX.???? 
PROBLEM 2 : i immediatley called the everyday banking number and got a Rep on the line after to explaining my side. She advised me when I paid the XXXX XXXX XXXX bill all the other transactions before that went into overdraft mode. I requested a Manager. She said she will give message and to watch my account at the end of the day to see if it had been and adjusted and credited. If not, there is nothing they can do for me. I called the number again and demanded a Supervisor. I got one on the phone and he only adjusted {$36.00}.

PROBLEM 3 : While he adjusted the {$36.00} he failed to let me know I needed to cover the negative balance in my account because once the XXXX XXXX XXXX and XXXX XXXX go through it will add more overdraft fees. I would have done that if I knew to being as though I had money in other accounts to cover this. The result of him not informing me let me to wake up to a $ -XX/XX/XXXX.?? balance. I called the everyday line again demanded to speak with another Supervisor who tried to INFORM ME OF REGULATIONS, BUT THAT IS A LITTLE TO LATE THE PREVIOUS EMPLOYEES DID NOT. THEY ARE THE REASONS MY ACCOUNT IS OVERDRAFT MORE THAN IT SHOULD BE!!!!!!!!!!! I AM XXXX AND I WANT TO CHANGE BANKS. AND I WANT MY ACCOUNT ADJUSTED TO THE $ - XX/XX/XXXX PLUS $ XX/XX/XXXX= $ -XX/XX/XXXXNOT $ -XX/XX/XXXX.?? My account was unfairly handled,  mishandled, and robbery of obsessive nsf funds.

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 2018-02-06
Company: Equitable Acceptance Corp
State: AL
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:
My wife and I were approached by a third party company that handled our student loans. The agreement they made was to debit {$39.00} from each of us each month to handle our student loan account. The agreement that was that until we could afford to make our student loan payment, the {$39.00} payment would be charged to us and the payment would also be added to the balance of our past due student loans. We recently learned that none of the payment is going toward our loans and that this service is not doing anything that is necessary to the principal balance of our loans. We would like our money refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged CHXXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your 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 explanation
Consumer complaint received 2021-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
about XX/XX/XXXX Capital One held disbursements on three of my on line payments, even though I had {$14000.00} in the account. The accounting showed the word " failed '' and gave me a 1-888 number to call.. I was told there was a check dated XX/XX/XXXX in the amount of {$430.00} made out to XXXX XXXX, endorsed over to XXXX XXXX and cashed at Capital One. Capital One said it was a fraudulent check. and they no longer wanted to do business with me. Capital One is holding this amount in my check account with notice it may not be with drawn. I asked a copy of the front and back of this check be sent to me. so that I may investigate this check myself I need a copy of the front and back. I have not received this information. On XXXX XXXX I again called the 1-888 number and was informed I had never requested a copy of this check. We aren't going into that, it just makes me madder. 

I would appreciate a copy of this check be sent to me, so that we may settle this problem or what future steps I shall take. 
1 ) May be sent by mail to XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Texas XXXX XXXX ) may be emailed to XXXX 3 ) may be texted to XXXX XXXX XXXX Capital One account # XXXX Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
This is a reoccurring problem with XXXX and Transunion allowing a Company named XXXX XXXX to every year update this collections account as current and partially paid on my credit reporting. They are reporting it wrong and against the fair credit reporting act. 
This account started in XX/XX/XXXX when I vacated an apartment and they agreed to take partial payment. They put it on my credit for paid less than full balance. I listed them on my bankruptcy as a debtor in XX/XX/XXXX. On XX/XX/XXXX, the United States Bankruptcy Court, XXXX   District of Oklahoma discharged my debts. XXXX XXXX XXXX is listed as a discharged debtor. I filed a dispute with XXXX. Yet, they allowed XXXX XXXX to continue to report this as an unpaid partial collection. In fact XXXX XXXX is showing they added it again XX/XX/XXXX as a partially paid collection with a note, Consumer disputes this account. This company needs investigated for continually going against the Federal Law and Federal Bankruptcy laws and needs fined so they won't continue to do it. 
Also XXXX and Transunion need fined for allowing it to be falsely reported on my credit report. I recently was issued a credit card for 24 % from XXXX XXXX because of this lowering my score and showing as current debt instead of included in Bankruptcy.

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 2021-10-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE FOR THE YEARXX/XX/XXXX FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. WE WERE UNDER THE IMPRESSION WE HAD TAKEN OUT A LOAD WITH XXXX XXXX HOWEVER, THIS WAS NOT THE CASE THIS IS NOT A DUPLICATE MORTGAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
During a refinance an auto payment was made to the existing loan {$1400.00} but was held because the closing had already been scheduled. After the closing Freedom Mortgage couldn't account for that money. I have called multiple times to the servicing and closing departments and neither can reconcile. First they claimed it went to the original loan, then claimed it was applied to the new loan, then claimed it was transferred to escrow, as yet they have not been able to provide a statement that accounts for the missing money. Most recently I spoke with XXXX XXXX Closing advisor Direct line. XXXX. He escalate the request for updated closing and payoff documents more than a month ago. I also spoke with XXXX ID # XXXX and XXXX ID # XXXX each claimed to sending those requested documents but after 2 months neither have, I have requested a supervisor call to resolve and have never received a call back yet.

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 2021-01-27
Company: WELLS FARGO & COMPANY
State: TN
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:
The last active date is reporting inaccurate on all 3 credit bureaus, account is reporting false information, date of last payment is reporting inaccurate, the credit limit is reporting inaccurate, also reporting a balance on a closed account this is a violation

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 2022-10-04
Company: Experian Information Solutions Inc.
State: SC
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:
Below was my previous complaint submitted asking for removal of this acct. based on the below referenced class action settlement of which my account was a part. The settlement agreement requires XXXX to delete or cause to be removed any and all negative info regarding my XXXX car loan account. XXXX investigated it and deleted it in response to my previous CFPB complaint but Experian from what I can tell did no real investigation and the item certainly was not removed. 

" Re : Acct : XXXX XXXX To Whom It May Concern : I am writing as a member of the nationwide class of the XXXX XXXX XXXX XXXX XXXX, No. XXXX class action settlement. Essentially XXXX XXXX was sued for predatory lending practices, improper notices in connection to collecting on loans as well as various violations of the UCC code. While I only received a small amount of money from the settlement as a class member, XXXX also agreed to request that the three nationwide consumer reporting companies XXXX, Experian, and XXXX delete trade-line information on your credit report related to your account with XXXX that is the subject of this case, as well as ceasing accrual of finance charges and late charges on deficiency balances. In fact, my XXXX XXXXXXXX XXXX was repossessed I believe 3 times during the requisite time period. This has not been done and this account still appears on my credit report The purpose of this letter is have this account removed entirely from my credit report as it is clearly having a negative impact on my credit as mandated by the aforementioned class action settlement agreement. I trust you will adequately investigate this matter and remove this tradeline within the timeframe as provided by law. '' The tradeline is still there and I was unable to ascertain what they investigated based on their overly vague response. I'm not sure how 2 credit bureaus can investigate the same item and then one removes it and the other doesnt. I would assume they would be verifying info in a similar fashion.

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 2019-11-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: Premium Credit Bureau
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:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. PREMIUM CREDIT BUREAU Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern, back in XXXX there was identity theft on my account. I spoke to XXXX XXXX  about it and they were going to remove the 2 inquires. It's been a while its not XX/XX/XXXX and these things still show up. Under the fair credit reporting act 609? Shouldn't these be off? again I never authorized this. They removed from XXXX  just not equifax. I will show u that that they are not on XXXX. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I sent a dispute to Transunion via certified mail on XX/XX/2018 in reference to incorrect, incomplete and inaccurate accounts being reported on my credit report. Per USPS, Transunion received this dispute on XX/XX/2018. In response to my dispute Transunion sent me nothing but a computer automated copy of my credit report. This response did not properly verify these disputes per the the Fair Credit Reporting Act, 15 U.S.C. 1681, but was also postmarked on XX/XX/2018 which exceeded the 30 days required. On XX/XX/2018 I sent a follow up dispute letter to Transunion explaining they did not properly verify any of the disputed accounts and also missed the 30 day response time. I requested they remove all of the disputed accounts which was required by law. Transunion received my follow-up dispute on XX/XX/2018. I included a copy of the original dispute letter along with copies of the USPS receipts showing the dates they received the disputes and a copy of their response which was postmarked past the 30 day cutoff period. In response to my follow-up dispute, postmarked on XX/XX/2018, Transunion again sent back nothing but another computer automated copy of a credit report with no changes and AGAIN missed the 30 day cut-off period required by law.

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