BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-26
Company: U.S. BANCORP
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 been a US Bank customer & have had a credit card account with them for the past 10 years. US Bank decided to take action & close my credit card account. On XX/XX/2019 I called US Bank & requested a new card be mailed to me because my previous card was damaged. When the new card was delivered at my residence I was overseas due to work. I was not able to get the card because I was overseas, & the card got RETURNED via mail to US Bank. US Bank assumed I didnt live at that address or it was ordered fraudulently. US Bank decided to shut down my credit card account without calling or contacting me to verify. I called US Bank stating my case to tell them what happened. US Bank instructed me to write a letter stating I want to keep this account open. I wrote them a letter & sent it to US Bank by fax, & they claim they never got it.

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 2021-01-28
Company: CITIBANK, N.A.
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 having a monumental problem with Macys and my credit reporting agency. When XXXX and XXXX agencies report to Macys, they are sending in reports that indicate that my XXXX score is under 500. I have never had a XXXX score of 500 or less. I do not understand why I am having so many problems with the credit agencies and Macys. 

The credit bureau tells me that it's not their fault and Macy 's tells me it's not their fault in the meantime no one is willing to assist me. 

Macys tells me that you are consistently sending the same information to them, indicating that my credit score is deficient and high risk. WHY? I get conflicting information whenever I speak to a representative at XXXX & XXXX. 

I am disputing the information they are forwarding to Macys. I dont know how to correct the mistake Of the credit bureaus as well as Macys records. A Macys credit specialist advised me to contact the Credit Bureaus and have you send them the updated information. I have been disputing this information since XX/XX/XXXX and still have no resolution to the problem. 

I am a senior citizen and being unjustly punished. I keep getting the run around from the credit bureaus and Macy 's.

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 2019-07-26
Company: WELLS FARGO & COMPANY
State: MD
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:
Hello there, I have a problem with Wells Fargo Credit Department that I applied for XXXXXX/XX/XXXX by Wells Fargo credit card twice last XX/XX/XXXX and XX/XX/XXXX. Wells Fargo Credit Department sent same letter to me that they are unable to verify my identity in XX/XX/XXXX and XX/XX/XXXX. Their reason specified : " Identity can't be verified '' Their claim is false not true that I believe based on the facts. I already provided additional documents of my identity : utility bills, driver license, social security card at Wells Fargo branch office last XX/XX/XXXX in XXXX, Maryland and the branch manager of the Wells Fargo verified my documents for identity and submitted them to Credit Department at Wells Fargo. Credit Card Wells Fargo still refused to accept them and declined my identity for confirmation and card approval. Again this XX/XX/XXXX they approached me same reason of the decline of the card application : Identity can't be verified. I called Credit Card Department at Wells Fargo and they asked me to accept their passcode text that is not available on home phone. I asked them to send security code through SMS but they refused. I asked Wells Fargo Credit Card Department for alternative option to send a security code by email or text message or another way by mail. They refused. I provided my identification and additional documents at Wells Fargo branch office. Wells Fargo Credit Card still declined them. Their same reason : Identity can't be verified. I believe that they are doing abusive process and already burden the process and blocked me as a consumer for equal consideration and options for solutions. I believe that they discriminated 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 explanation
Consumer complaint received 2019-07-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was charged {$100.00} on my checking account for no reason. I have call them several times and they give me different answers but they dont resolve anything. Supposedly I was charged from the credit card department to pay for my credit card but that payment isnt reflected in my credit card record. I have talked with both departments checking account and credit card and they dont resolve anything.

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 2019-01-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Moneygram withdrew funds from my account to an unknown person. I am concerned how this person or person ( s ) were able to access my information. I closed the account and contacted my bank. I did receive a credit finally from Moneygram, however I have to prove to my bank that this was a dispute and a scam because Moneygram would not credit the second send.

I reported this to the FBI Cyber Crime unit and I want to know how my account was compromised.

Your Receiver can now collect these funds at any MoneyGram Location in the expected destination. To find a Location, please check our Locator. You should communicate your Reference Number [ or Bancomer Confirmation Number, as applicable ] to your Receiver to facilitate payment. 


MONEYGRAM PAYMENT SYSTEMS, INC. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXX XXXX CST Sender Information MoneyGram Plus : XXXX Name : Phone : Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX United States Receiver Information Name : XXXX XXXX XXXX Expected Destination : United States Receiver State : Nevada Receive Option : Cash Pickup Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May be available sooner ) Transfer Amount : XXXX XXXX Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Exchange Rate : XXXX USD = XXXX USD Receive Amount : XXXX XXXX Other Fees : XXXX XXXX Other Taxes : XXXX USD Total Receive Amount : XXXX XXXX MONEYGRAM PAYMENT SYSTEMS, INC. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXX XXXX CST Sender Information MoneyGram Plus : XXXX Name : Phone : Address : XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX United States Receiver Information Name : XXXX XXXX Expected Destination : United States Receiver State : Nevada Receive Option : Cash Pickup Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May  be available sooner ) Transfer Amount : XXXX XXXX Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Exchange Rate : XXXX USD = XXXX USD Receive Amount : XXXX XXXX Other Fees : XXXX XXXX Other Taxes : XXXX USD Total Receive Amount : XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2017-09-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am submitting a complaint regarding a past due amount requested by student loan servicer, Navient. 

I applied for an Income-Driven Replayment plan before resuming payments on my student loans serviced through Navient. On XX/XX/XXXX, I received an email from Navient stating that they have approved my request. According to Navient, my IDR plan overview was as follows : Monthly payment amount : {$330.00} Plan begin date : XX/XX/XXXX Plan end date : XX/XX/XXXX On XX/XX/XXXX, I paid the full amount due as agreed by logging into my online account on the Navient.com website and submitting a payment of {$330.00} via bank transfer. The amount was posted successfully to my account on the same date. 

On XX/XX/XXXX, I receive an email from Navient containing " a snapshot '' of my monthly statement. According to the email, my total payment due was now {$360.00}. I logged into my Navient.com account and saw that I now have a past due amount of {$30.00}. 

Please note, I did not receive any communications from the company stating my account was past due, nor was I told that I owed $ XXXX/month instead of {$330.00}. 

I have attempted twice by phone and email to contact Navient and rectify the issue, but I have not heard back regarding a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-07
Company: FIFTH THIRD 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:
My credit card debt was already settled with Fifth Third Bank on XXXX of 2018. However, it continues to negatively harm my credit score as " negative '' each and every month. ( See attachment below ). 

In spite of me producing the below disclosure, FIFTH THIRD BANK, NA still has not deleted/removed the old and closed information from my report : FIFTH THIRD BANK, NA Acc # XXXX. 
Late Payments : XX/XX/2018, XX/XX/2018, XX/XX/2018. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please delete the above late payments from my consumer report, as this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Thank you guys for reading my complaint. On XXXX I sent a letter to all three major reporting Credit Bureaus . And I did not get a response from any Major reporting bureau. I was able to get one account closed on XXXX which was a charge off from a car which the car was wrongly taken from me through the finance company. And a charge off XXXX balance account from XXXX XXXX that was closed on my Transunion. I checked my status regarding the letter dispute I sent to Transunion, and Transunion has only documented that a dispute was filed on XXXX, and XX/XX/XXXX.The delivery date was XXXX for the letter I sent in the mail. I also disputed on XX/XX/2021 using XXXX XXXX, and the status of that is that account is still in review. The letter I sent to Transunion was sent on XXXX, and only one of the five accounts were removed. The other four accounts on that letter I asked TransUnion to verify were not removed, and were not verified. And I did not receive a response from the bureau via mail, nor email, nor account update regarding the other four accounts. This dispute has lasted over 30 days, and I feel as if the only way this can be resolved outside of small claims court is to get those four accounts on my Transunion letter removed. Due to the Fair Credit Reporting Act. I have attached the original letters I sent to TransUnion, and XXXX. And proof of the letters being sent off via US Mail. I also have attached screenshots of the one account that Transunion finished disputing, and the account its still working on. Also want to dispute XXXX for not removing any accounts except the that was placed as a charge off. I have also attached my non reponse letters I have sent to both credit bureaus via mail. Thank you guys so much for your help. I really appreciate it so much.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
1. As stated in my lease contract, I was required to make 36 monthly installment payments. I paid for each installment. The final payment was posted on XX/XX/2019. 

2. I wanted to purchase the vehicle at the end of my lease that expired on XX/XX/2019. I called Chase to attain a payoff quote on XX/XX/2019. Chase provided a 10-day payoff quote. The quote included two discrepancies. a. ) The purchase price stated in my contract is {$11000.00} and the purchase price provided by chase is {$11000.00}. b. ) The lease payoff quote includes a XXXX and additional monthly installment. I was informed this additional payment is non-negotiable and would be refunded if the payoff was made on or before XX/XX/2019 ( the day my lease expires ) 3. I have called Chase several times. I had them submit my case for review in their accounting department but was denied twice. The last time I called was on XX/XX/XXXX to which the representative said I am in the wrong. 

4. I visited a Chase branch located at XXXX XXXX XXXX XXXX, CO XXXX on XX/XX/2019. I waited two hours while the bank lobbied on the phone on my behalf to their motor vehicle department. 

In summary, I am owed {$38.00}. the purchase price varies and I should not have been charged the XXXX and additional monthly installment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo approved me for a used car loan back in XXXX. I had full coverage insurance thru the time of the loan but Wells Fargo still charged me for GAP coverage which caused me to fall behind on my payments. This resulted in some negative marks on my credit report. There was one month I had changed over insurance I believe to be in XXXX and picked up new insurance a month later. However Wells Fargo charged me the full GAP insurance and never gave me credit as to having insurance. Wells Fargo also misapplied some of my payments due to this GAP coverage they were adding onto my loan and caused me to fall behind and caused repossession request which again caused a negative against my credit report. I had the loan for a total of about 4 years ( XXXX ) and due to the negative reporting it caused me not to be able to get financed to purchase another vehicle. It started in XXXX and continued thru the life of the loan causing me to loose about {$3700.00}. Due to the misapplied payments and billing me for GAP insurance caused my loan to increase even more than what I originally was approved for. This caused me to turn upside down in my car loan with Wells Fargo and resulted to me buying a buy here pay here car that ruined my credit and I am still suffering from it now. This caused me to go into a deep XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2022-01-12
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A year ago I had a medical appointment that was covered and paid for by my insurers without any issues. We recently started receiving communications from a company called AWA collections stating this bill is unpaid, and they have maliciously placed a negative mark on my credit report, despite me proactively sharing with them documents showing the insurers paid my bill. I had no communications from the hospital asking for payment prior to this, so I believe this is a fraudulent attempt to collect a non-existent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18
Company: LD Holdings Group, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a notice from Loan Depot, in which I was informed that they had already conducted a Mortgage Analysis on my house, and that I was eligible to apply for a special refinance program, that would allow me to borrow up to, and perhaps more, than the amount of my current loan, which is at 4.25 %, fixed for 30 years, conventional loan. It stated the new rate would be 3.125 %, w/ 3.788 % APR. So I KNEW that there would probably be points involved in the loan, but it stated that my new monthly payment would be {$450.00}, a little more than {$100.00} less than my current payment. I described my mortgage thoroughly, my XXXX XXXX was listed as exceptional. The " offer '' stated " no or low closing costs. '' which ended up being several XXXX dollars. It also said no hidden fees, and possible no appraisal or income verification. I knew that was misleading. But it was only as I was about to give him my credit card to start the process that I finally understood him well enough, that it was now 3.35 % [? APR ] and worst of all it was an XXXX ARM. He said there were limits on how much it could go up. He THOUGHT it was about 2 % /yr. I felt as though, if I had not been an attorney myself, though retired on XXXX for many years, he was trying to set me up for an action that could have easily bankrupted me or my heirs at some point, at least after 10 years. I FELT as though he was clearly being fraudulent with his explanation to me about this proposed transaction. I have his email, but will not include it unless you think that would be appropriate and safe. I would simply like to advise other people who may not have as much experience with mortgages or property law to be cautious if any one should decide to pursue a transaction with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation