BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-20
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:
I have two credit cards, one from XX/XX/XXXX and one from XX/XX/XXXX. They both stopped working a few days ago and I looked at my accounts and saw my authorized user had overcharged. I assumed this was the problem and told him to pay off his charges. He paid them off yesterday and then informed me today he received a letter informing him of the closures. I called today and found out that indeed both cards had been closed and the only reason they could give was that it was based on a past closure. I do not have a past closure so I am assuming my authorized user is the culprit here. I do not understand though how this would affect the other card that he is not connected with at all. And if he was the one they were closing it over why not just remove him from my account instead of closing all my cards? These are Chase cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under Radius Global Solutions. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has HIPAA authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

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 2018-11-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have addressed this with the credit bureaus ... both XXXX  and XXXX  it gets deleted because they cant verify the debt but they reinsert it with different dates and different amounts owed a few months later. I do not owe them anything! These debts do not belong to me! Wakefield & Associates are Not Licensed in the state of Tennessee so they are in violation of the Tennessee Fair Debt Collection Ac. The last date they have put on my credit reports was XX/XX/2018 for the amount of XXXX both on XXXX and XXXX. It states XXXX  XXXX XXXX   XXXX. Could you please help me stop them. 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 2023-09-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank Amazon Visa credit card is notorious for having an abusrd short billing cycle - the time period between when they issue their monthly bill and the due date. In the process, they constantly unfairly assess late fees {$27.00} and interest charges ( not certain of the rate, but both charges are excessive ). 

Further, Synchrony bank poorly trains their customer service representatives so poorly in their XXXX call center that USA  customers have to request to be transferred to USA call center to settle their problems. 

However, in my case, the USA representative, although more literate than the XXXX call representative, was completely inept in the property process of how to recalculate my correct balance due and instead of quoting my off the current most recent billing statement ( sent back on XX/XX/21 ), quoted me the current balance for charges on the account through today XXXXaskikng me to pay the entire balance. 

I have a superiod credit rating, have never missed a payment before with Synchrony bank and only missed the XXXX billing ( due XX/XX/21 ), becuase they never sent it via ebill to XXXX XXXX XXXX XXXXXXXX bill pay ( NOT MY PROBLEM ). And now, they want to not only be paid for their XXXX billing too ( due XX/XX/21 ) but also any charges since XX/XX/21?? Today 's date is only XX/XX/21. 

I requested the representative to provide a complete recording of my phone call with her to her XXXX and have them call me. They'll never call. Good luck if you can find a recording of the call yourself if you inquire from the CFPB.

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 2017-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Car rental in XXXX  held car rental from banking account for a deposit even while being paid. The  security deposit is to be held but not to be charged to bank account.  I was charge for overdraft fees and additional fees for overdraft protection. This is the second time my bank account has gotten missed up by Bank America. The money was in the savings account  also the amount is still pending and not applied. Bank of America is charging me unnecessary fees and forcing overdraft protection fees in the amount of $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 monetary relief
Consumer complaint received 2019-06-07
Company: Continental Finance Company, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019 I paid off the credit card balance by phone with a representative of Continental Finance Matrix Card division. 
During the conversation it was clearly discussed to close out the account and the representative advised once the funds cleared the account would be closed and acknowledgement was received on XX/XX/2019. In XXXX I received a collection call regarding past due funds and I shared with the representative the XXXX conversation and confirmation and was advised this would be corrected and resolved ASAP. 
In XXXX another call and another conversation with the party stating they did not show that but would get resolved. This party was not pleasant to deal with and I felt threatened. 
In XXXX again more calls and was told funds being assessed to account including late charges and must be paid. Also received a collection letter and my credit has been reported as late as well as seeking {$74.00} in fees for an account again paid off and closed in XXXX. Each time the party being spoken to has become unpleasant and threatening. In good faith I paid the debt in full, and was told resolved and now being threatened in collection and credit report reporting as late. I am on social security XXXX but in good faith resolved this and seek this being closed and my credit being corrected

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
incorrect information disputed with all major bureaus and creditors no dispute investigation was opened and no results

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello, my name is XXXX XXXX, and 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 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 2023-05-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
hi, I called the bank to request a new pin for my debit card ending in XXXX but on customer service they coulnd due error on the system trying to send me a passcode to my phone, in the past I never had that issue because they tried to send me a PUSH notification to my phone or a passcode to my email. 
Im not US citizen and resident, I live in XXXX and I dont have any travel plans to the USA to fix this. 

I also requested a XXXX to avoid this issues in the future. 
Please proceed with a new pin to my mailing address on profile and also the secureid requested trough the online baking without delays and bureacracy. 
Thanks

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 2016-03-02
Company: Nationwide Biweekly Administration, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I signed up for nationwide biweekly mortgage payment plan. This is a service provided to reduce the interest and length of my mortgage. There is a fee taken for this service initially equal to XXXX payment. I received a letter that they are no longer able to service my, or any, of their customers mortgages. I have received no reimbursement, no reply by phone. It is as if they have vanished. The phone number to call is an automated message with no operators

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Called to inform Citizens Bank, that I had not applied for a checking account with them. I do not bank with them currently, and I had just received an email stating that an application had been submitted, and declined. I gave them the XXXX XXXX XXXX XXXX, to the representative, and wanted to be sure my credit had not been effected or reviewed, and that I did not attempt to open an account with them. They took the information, and were submitting a fraud investigation, and stated that I should receive a coy of the fraud file results within a month or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: MD
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:
Hello, my name is XXXX XXXX, and 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 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 2018-10-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2018 XXXX XXXX XXXX appeared on my credit report for {$81000.00}. This is not my student loan. Equifax refuses to verify the account and send me proof, provide me with a valid phone number or address for this company and they refuse to remove it. If Equifax will not provide me proof that the account is mine or supply me with a valid phone number or contact information ... .how can they hold me liable for this account? I have been told by Equifax employees to XXXX the company. If this complaint doesnt work I am going to hire and attorney and sue Equifax. Not only for this situation but all of the erroneously reporting they have done on my credit that has caused my credit to suffer immensely. This is a violation of my rights and fair credit reporting. They are required by LAW to provide me with proof this account is mine and contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXXXXXX  I sent numerous emails and certified mail to XXXX  XXXX regarding inaccurate credit reporting on account that I always paid on time and the account is now closed. I also sent certified mail to all three credits bureaus requesting a reinvestigation and provide me with debt validation showing where I was late on the account but the credit bureaus always close reinvestigation as verified but doesnt supply any proof of account being late. XXXX XXXX XXXX reported account 60 days late back in XXXX of XXXX  which is false and inaccurate reporting as Ive never paid late on account. As stated above Ive emailed XXXX XXXX XXXX CEO XXXX XXXX no response, Ive email possible financial support requesting proof of late payment no response and Ive sent certified mail to possible financial and its constantly being returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BARCLAYS BANK DELAWARE
State: MD
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 am writing in reference to : complaint # XXXX this complaint contains documents related to the case. 

The credit card company has contacted me by telephone and are investigating the dispute. Stating this can take 10-15 days. They also are only available to discuss the case M-F XXXX XXXX XXXX. They do not email any resolutions so most likely I will have to spend additional time on the phone with this company and take additional time away from work to address. I would like an expedited resolution to this since they have already violated the required time frame to address the dispute. This dispute is over 90 days old. They also have incorrect information on the back of their billing statement to address disputes and an online portal that doesn't respond to the " contact us '' button. There is no way to contact this company except through customer service where I have documented over 3.5 hours of hold and discussions that have yet to address or resolve my disputes. I would like to know what violations the bank has committed with this case from the incorrect address and failure to meet a reasonable timeline on disputes. 

I just received another statement with a full balance, late fees and interest charges

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 2022-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
You are in violation! You broke the law!! I have enclosed all documents which includes ( Previous CFPB Complaint, Copy of Driver License, Identity Theft Report, Statement, & instructions ). PLEASE SEE ATTACHMENTS

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 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Our Bank of America Visa card has been on autopay for the last six months. We tried to use the card today ( XX/XX/20 ) and it was declined. We called Bank of America to find out why and they said it was non-payment of last month 's bill. We noted that the card has been on autopay for many months and customer service said it was taken off autopay last month ( we never did that ) and they said we had to pay our bill plus penalty plus interest. 

I asked customer service to tell me where on our credit card statement it says autopay is on/off. She said BANK OF AMERICA DOES NOT PRINT THAT ON THEIR STATEMENTS, YOU HAVE TO LOGIN ONLINE TO SEE THAT. 

We have three complaints : 1 ) Our account was on autopay and Bank of America took it off autopay and we incurred extra charges because of that ; 2 ) We were never notified that autopay was removed from our account ; 3 ) A financial institution such as Bank of America should be required to print on their statements whether autopay is on or off.

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 2023-09-24
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency is attempting to collect {$6900.00}. I have request from the collection agency full account of all charges and payments made on the rental account from the start of the initial lease until move out. I also requested the collection agency to provide documentation that the leasing office at the apartment complex had me signed on the day that they returned the money orders to me for rent that totaled {$3200.00}. The money was returned to me on XX/XX/2021 when I moved out even though the leasing office claimed I owed rent. Then why would they return the money and now the collection company is trying to get me to pay {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/2022 : I sent completed and returned the requested form to XXXX about my auto loan not reporting on any of my credit reports. I also sent notifications to Equifax, XXXX and XXXX showing that there is an error in reporting on my credit report and provided them with proof from XXXX that I had an auto loan through XXXX and it was paid in full but my credit report does not reflect that that account ever existed. This has caused me undue financial hardship in obtaining a vehicle loan because of this lack of accountability for all XXXX credit bureaus and XXXX who claims that it is the responsibility of the credit bureaus to report correct information. XXXX provided me with my loan number and account statement so they have record of the auto loan and it did appear on my credit for a short time, but now it is gone and has negatively impacted my credit score and caused me to be charged unaffordable interests rates on a new auto loan. None of the credit bureaus replied within the XXXXXXXX XXXX requirement with an answer or solution to my problem, and XXXX claims it is out of their hands.

Company response to consumer: Closed with explanation