BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-03
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I married my husband in XX/XX/XXXX and during the course of our marriage, he did not permit the kids to get the mail and he was very adamant about getting the mail himself. He would hand me my bills, but he was quick to tear up everything. If I saw something with my name on it, I thought it was just some sort of advertisement to open a new card or transfer a card balance, junk mail. Two credit cards were opened in my name : one in XX/XX/XXXX and another inXX/XX/XXXX. We were living together in XXXX and I did not give him permission to open a Citibank card in my name. I did not know about or the one opened in XXXX. Of course, he had access to my personal information. He opened these cards and he had an automatic payment set up from his account to pay the card off monthly or with monthly payments. I was not on that account. I can not be traced to any account charge or receipt signatures. I only knew about these cards when we were getting divorced and a Citibank envelope came to my address in my name. I pulled a credit report and there they were. I called the company reported the above situation. I didn't even know the password and had to have my son 's help, " What was one of your dad 's old dog 's names? '' This was recorded on the call. If I opened the account, I would know something such as that. Of course, I know my social security card number. I now have a XXXX $ balance that is not mine. 
The explanations from Citibank : The card was mailed to your address : BECAUSE WE LIVED TOGETHER Your phone number activated the account : BECAUSE HE HAD ACCESS TO IT Regular payments were made on the account : FROM HIS SOLE CHECKING ACCOUNT THAT DID NOT HAVE MY NAME ON IT, WAS THIS TRACKED TO HIM? YES. 
Your verified contact information is on record with previous communications : THE ONLY TIME I CALLED WAS WHEN I FOUND OUT ABOUT THESE CARDS IN XX/XX/XXXX/XX/XX/XXXX. WHERE ARE THE RECORDINGS THAT I CALLED? WHO IS ON THE PHONE? NOT MY VOICE. 
I was aware of the account and permitted it to continue : I DID NOT KNOW ABOUT THIS ACCOUNT. 

I do not feel Citibank did a thorough ENOUGH investigation nor made an informed decision. It doesn't always have to be a thief on the streets taking your identity or using your GOOD CREDIT. I have never had more than my XXXX Visa credit card and my Credit Union credit card. I have a pattern of only ever having had these two cards for many many years. If his name was pulled, he will have plenty in his name opened and closed. This speaks for itself.

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 2019-03-26
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I closed my savings account on XX/XX/2019 By filling up a withdrawal slip writting the date and {$1000.00} and XXXX XXXX XXXX  XXXX and signed it on the spaces provided. The teller however asked me to sign another slip of paper and did not used the withdrawal slip that I gave her. Please let me know what happened to my withdrawal slip that I gave to the teller and the slip of paper that the teller asked me to sign. What is the slip of paper the teller asked me to sign? 

I did not receive a letter from the bank informing me that the account is closed. Please send me the letter informing me my savings account was closed when I withdrew the balance of the account of*** XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX. 

Thank you. 






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 2018-02-19
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I checked my account with Navient on Friday XXXX XXXX, expecting to see that my payment made on XXXX XX/XX/2018 to be creditted to my account. It was not. I had to ring Navient from the XXXX and was on the phone with them for about 15-20 minutes trying to figure out why my payment had not been credited to my account. I told the customer service representative that I also wanted to make a second payment this month. After being on hold for a few minutes, I was told my payment was actually received on XXXX XXXX but, for some unknown reason, their payment department have not credited my account yet. It says on my account that I might be charged a late fee because I 'missed ' a payment. I most certainly have not! 
I got off the phone unsatisfied with the answer from Navient about why my payment had not been credited to my account. I was told the payment would go through eventually. I checked this morning, Monday XXXX XXXX, and the payment is still not credited to my account and still says I am liable to be charged a late fee since I have missed a payment. When I asked the customer service rep about who I can speak to with a complaint about the payment situation, she informed me that there was no one I could speak with but that customers were ( and she said verbatim ) " allowed to send in a letter of complaint. '' I find it horrible that Navient does not have a proper complaints system and that I am being treated poorly. My payment is still floating around in Navient 's system, not credited to my account. As of today, they have had my payment for 20 days ( 14 working days ). I am not able to have the situation corrected in a timely manner by Navient. I make my payments by their draconian deadlines, they should be held to the same strict rules of acknowledging my payment and posting it to my account on the day they receive it. I find this situation completely unacceptable and intolerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to get wrong addresses and phone numbers off of my report but no response of help from Transunion without doing a proper investigation.

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 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.

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 2020-05-02
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my Macey 's credit card in full ( XX/XX/2020 ) before the next statement date in XX/XX/2020. Macey 's is trying to make me pay for instrest that is false after my balance was paid off the month before. 
I want Macey 's to remove the {$2.00} interest fee, as I am refusing to pay the interest on a XXXX  balance.

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 2018-03-20
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was looking to purchase tickets off of XXXX for XXXX XXXX XXXX vs XXXX XXXX on XX/XX/XXXX. I found tickets I wanted. Each was {$120.00} and I went with 2 for {$240.00}. I texted the number in the ad XXXX, the seller provided screenshots of the tickets he claimed to have. We agreed I would send the payment and he would transfer the tickets electronically. All seemed normal and asked for the payment to be made through XXXX. I've seen the commercial with the guy buying lemonade off some girls on a walk so I thought, Why not this should be straight forward enough and chase would have my back since they advertise it. His email was XXXX and name was XXXX XXXX. Payment was made at XXXX pacific time, after 20 minutes no email or anything. Surely enough I was scammed. I called chase by XXXX and they turned me away. I literally asked " so does chase or XXXX not offer any protection '' customer care said " no I'm sorry have a good day ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I made a purchase online from XXXX. During the checkout process, XXXX offered a XXXX XXXX option of 6 easy payments of {$49.00}. At no point during the checkout process, did XXXX notify me that a credit report would be pulled in order to use XXXX XXXX. In fact I never entered a Social Security number which is usually required to apply for credit. There was no notification, no pop-up box saying selecting value pay would authorize XXXX XXXX To pull a credit report. The item was {$300.00}, I have {$21000.00} in available credit and did not need to use XXXX XXXX. It gave me the option, and there was no disclaimer about how it worked. I made the purchase, chose XXXX XXXX and checked out. The very next day, I received a notification that there was a new inquiry on my credit report. I looked and to my shock, it was from XXXX XXXX. I immediately reached out to their credit department, and spoke with a representative there. She told me that Equifax allows them to only submit Name and Address to pull credit reports, and this was how they were able to obtain my credit report. How is this even allowed. I thought requesting credit required a social security number. Anytime in the past when I have applied, that is the one piece if information that I must supply. Needless to say, I told her that this was deceptive business practices and to have the inquiry removed. She told me they could not do that, and I would need to reach out to Equifax directly. So I went online to Equifax and disputed the inquiry on my credit report. I received an email back that they validated the information as correct and that I authorized XXXX  XXXX  to pull a credit report without my social security number. I believe these are false and deceptive business practices and I need this to be investigated by the CFPB. No one should be able to obtain a credit report without my express consent or without me providing my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I checked my XXXX  and TransUnion reports. There is a hard inquiry from a company called XXXX XXXX. ' This company has no contact info for me to investigate the inquiry. I have not applied for any credit card or loans recently or within the last two years. I believe this inquiry is fraudulent. The only application I submitted to any company was a XXXX XXXX mortgage application, however, I did not request to have any credit checks, yet. I never spoke to anyone from the company. I only ask to speak to a mortgage loan officer to discuss possible loans.

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 2018-02-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Incorrect information on my report, information belongs to someone else. 

XXXX XXXX Closed : XX/XX/XXXX {$3900.00}, XXXX XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV 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 2022-08-11
Company: CITIBANK, N.A.
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of Identity theft. In XXXX I noticed my credit score dropping and discovered that an account I did not know about was in default. In XXXX of XXXX someone named XXXX XXXX with a XXXX address, apparently opened a Citibank credit card account using my identity. They charged {$470.00} to the card which then was closed in XX/XX/XXXX with an outstanding amount of {$700.00}. 

I immediately filed a police report with my local XXXX, XXXX Police ( Case # XXXX ) and filled an Identity Theft Report with the FTC ( XXXX # XXXX ). I reported the incident to XXXX and XXXX and I notified Citibank. 

XXXX has removed the account from my report as of XX/XX/XXXX. 

However XXXX has failed to remove the information from my credit report. I disputed it in XXXX and again in XXXX of XXXX, providing the FTC report and Police report, but XXXX says that when they contacted Citibank, Citibank says the charges are valid. 

I am unable to reach Citibank. I tried again today and they just gave me the Identitytheft.gov website and phone number.

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 2020-05-02
Company: Kriya Capital, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In early XXXX of XXXX, I canceled my cell service with XXXX after having several problems with their service agents incorrectly charging my account. After several calls, they shut off my service, but failed to close my account, opting to keep my account open, until the first day of the next billing cycle, and then charged me for the entire next billing cycle. 

ATT had my phone number and email address, but failed to update their records about a change of address in XXXX after several contacts made to update their information. They opened a collection account in XXXX of XXXX, after zero attempts to contact about the alleged debt. 

The collection agency, Credence Resource Management, also made zero attempts to contact me. After seeing the account on a credit monitoring website in early XXXX, I contacted them and asked them about the account, and to send a verification letter regarding the debt. I then sent a follow up email requesting information about the debt, specifically asking about rights and procedures to challenge the debt, the address of the original creditor, and any and all available statements. I was not provided with any information for several months, and then only partial information was provided, but including my right to dispute. After several attempts to collect this information and an eventual threat to report this information to the proper authorities, Credence contacted me informing me that they would cease all communications with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX ran a hard credit report without my consent. I did not request any credit or loan from them. I went to open a momeymarket account for savings only and did not want any other products. I was not told that they would do this. I called them but have not gotten a explanation. I want them to immediately correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: CITIBANK, N.A.
State: VA
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:
I SEE ON MY CREDIT REPORT THAT I HAVE A MORTGAGE LOAN. I HAVE NEVER HAD A MORTGAGE LOAN.

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 2018-05-14
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
On XX/XX/XXXX I went to the American Express website and saw the Gold Delta Skymiles card. Along with it was a sign up bonus offer. The offer stated that if you spend {$2000.00} within the first 90 days you would receive XXXX bonus Delta Skymiles. Then if you spend an additional {$1000.00} after that within the first 90 days you would receive and additional XXXX bonus miles - totaling to XXXX bonus miles. I immediately called in to apply for the card over the phone and verified that this offer was still valid. I was told yes it was and if I got approved I would receive it as long as I meet the spending criteria. I was initially declined for approval and then asked for reconsideration. The application was approved on XX/XX/XXXX. Within the first 30 days I had already met the {$2000.00} of spending. And now I have met the additional {$1000.00} spending also. On XX/XX/XXXX I received a bonus of XXXX miles instead and immediately called into to American Express to let them know this was the wrong amount. They opened up a case investigation for me and gave me a Case Number of XXXX. They stated that bun XX/XX/XXXX the case would have a decision. I called in today ( XX/XX/XXXX ) and was told they still dont have a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent three rounds of dispute letters to Equifax in the months of XXXX through XXXX each time I asked them to validate these medical accounts but they never did, as a result, they're telling me they're no longer investigating on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
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: Account status incorrect

Complaint:
Transunion just reinserted on my credit report an account that was previously deleted. The account is XXXX XXXX XXXX XXXX in the amount of {$860.00} this is wrong this was corrected and removed now its reporting again. My score dropped significantly since they did this. I am also uploading supporting documents from XXXX that 2 other accounts I have been disputing we 're finally deleted after the investigation but transunion is still reporting this wrong information and it 's ruining my credit. If they were doing a proper investigation then they would have received the same response as XXXX did. Also they should have never reinserted this account with XXXX for XXXX when it was 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