BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-23
Company: CITIBANK, N.A.
State: PA
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:
On my Citibank statement of XX/XX/2018, my balance was {$3500.00}. As a result of my divorcee, as pasrt of the settlement, the agreement required the payment of the balance by my wife. That payment was made by her attorney which should have left a " {$0.00} '' balance. 

The payment was posted to the account on the XX/XX/XXXX statement. Despite the foregoing payment they charged a late fee of {$25.00} and interest due of $ XXXX.The XX/XX/XXXX statement reflected the balance at {$48.00}. When the XX/XX/XXXX statement came in, I paid that amount in full. Again they added {$35.00} in fees and {$0.00} in interest. I spoke to Customer Service about the charges and during that conversation, I requested that the account be put on auto pay. The XX/XX/XXXX bill came in and the auto payment was not reflected on the account which they say they had no record of. Under the circumstances, I can not prove the request for auto pay but feel that this matter has gotten out of control. To add insult to injury, they have also reported my late payments to the credit bureaus. I am on social security, have no pension and work 2 jobs. I have tried with good faith to take care of this situation but have been unsuccessful in trying to work this out with Citibank.

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 2021-03-27
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my 9 unit building and the escrow was closed on XX/XX/XXXX. The existing lender ( XXXX XXXX, CA ) wired the principal to the previous lender ( Union Bank ). The mortgage payment was set on " AUTO PAY '' with the Union Bank and they were not to withdraw the money for the Month of XXXX. Auto Pay is due on the XXXX of the month. Union Bank withdrew the mortgage on XX/XX/XXXX. 
I called Union Bank on XX/XX/XXXX @ XXXX ; XXXX and left message to reverse the withdrawal. I also called the local Union Bank representative ( XXXX ) and left message as to what had happened and need his help to resolve the matter. XXXX returned my call and told me to see how he can help? 
SINCE THEN I HAVE NOT HEARD FROM THE UNION BANK. 
My new payment is due on XX/XX/XXXX and I am out of {$4500.00}. I need help so that I can pay my bills on time. Have the UNION Bank reverse the charges ASAP.

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 2020-09-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hello Parties involved is my XXXX XXXX XXXX Card- Account Number ending in XXXX which closed back on XX/XX/XXXX but I still have a owing balance of {$390.00}, The problem is 1. XXXX has my closing date recorded incorrectly showing XX/XX/XXXX, but it should be XX/XX/XXXX. { Can you please have them correct. } 2. Equifax is not reporting this account at all on my credit report. 
3. XXXX is not recording this account at all on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
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:
ChexSystems is inaccurately reporting an account that I was never attached to on my consumer report. 

XXXX XXXX XXXX. states that an account was closed for overdrafts. i was never on the account because I was denied an account with the bank. As of XX/XX/XXXX is the date in which is was reported. {$1000.00} - the address that it is reporting does not belong to me. 

XXXX XXXX  XXXX XXXX has an account on my report still showing that it is unpaid when i paid it off years ago. XX/XX/XXXX unpaid status

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 2021-02-25
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Approximately XXXX XXXX, during the pandemic, We have access my chase online account and came to find out that it was on the freeze account mode. I've learned that my account was past due and never knew about it. I've contacted Chase to find out what's happened since my payment was on the auto payment mode and the payment were coming out of my personal bank. We spoke to a man representative and told us that my monthly payment were raised and the payment that they received from us was not enough and that's reason I was on the past due status. I asked them why I never received any notification in regards to my new monthly payment. The representative has give me an instruction to make a certain amount of payment for three months until XXXX and I should be up to date on my payment by XX/XX/XXXX. 

After that, On XX/XX/XXXX, I was receiving a notification saying that I am past due again. I called Chase credit card to find out what was happened and they couldn't located who I spoke to back on XXXX XXXX. I was making payment twice to Chase Credit Company from XX/XX/XXXX until XX/XX/XXXX. I also made a complaint to their their XXXX collection dept. that Chase Credit Company got their customers talking to some representaive that they can't even identify who it was. 

on XX/XX/XXXX. I have obtain my free credit report and I came to find out that Chase Credit Card XXXX has reported that I was late for 30 days+ on payment which I have the credit payment on the automatic payment straight from our checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Been trying to resolve the issues with wakefield & associates and i explained to them that I didn't reside in XXXX, TN where the original collection was from, i even fax the a copy of my driver 's license and my insurance card to prove to them I didn't reside in XXXX or the state of TN. 

This is their fax number that was given to me by their agents : XXXX XXXX XXXX XXXX. 

They verified they did receive the copy of my ID and my insurance card and Instead of working with me to resolve the issues, they still insist that I owed them the money even though is obvious that my ID showed different state and address, they even threaten me by assuring me that they are going to destroy my information and they did follow through with the threats of destroying my credit history and now my credit reports show that i owed them money. 

Please assist me on this issues and punish them as the fair debt collection practices states they shouldn't threaten the individual and instead this company not only threaten me that they are going to destroy my credit, they follow through with their threats and now, my credit reports was destroyed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Experian Information Solutions Inc.
State: IN
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:
This loan dose not belong to me and if this can be removed from my credit report i would appreciate if you can delete these items so i can further my family feature.

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 2020-11-21
Company: AMERICAN EXPRESS COMPANY
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:
My American Express Bluebird card was closed on XX/XX/XXXX for apparently violating XXXX XXXX of the card agreement. I didnt violate anything in Section 22d so I called the Bluebird customer support number which redirected to wherever it is located where chickens can be heard in the background. Here they didnt know anything but what I had been told. I tried to get my money back in a check or my account reactivated but they said the only thing they could do is give me a mailing address, the same thing the closing email told me. 

I angrily spent about {$10.00} to send a priority letter to a PO BOX in Georgia hoping to get a response quickly. However it has been 2 months with no reply. Today I called Bluebird customer support again and they couldnt do anything for me, still telling me to mail a letter and not giving me a timeframe on when Id receive a response. This is ridiculous the only way I can contact this financial institution ran by American Express is through the mail! I had about {$400.00} in the account Id like back or my card reinstated because I broke no such terms!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have another complaint against this company. They called me last week and I told them not to call. I sent them a certified letter to tell them in writing not to call and they still called. So I told them over the phone and in writing not to call and they still call. The tracking number is USPS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: American Recovery Service Incorporated
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX separate occasions in XX/XX/2021, American Recovery Service made hard inquiries on my XXXX credit file. 

According to federal law ( Fair Credit Reporting Act 15 USC 1681b ), it is unlawful for an entity to view a consumer 's credit report with a permissible purpose. 

On XX/XX/2021, I mailed written correspondence asking for that purpose, but never received a direct response. I did not apply for employment, nor did I apply for credit with American Recovery Service. 

These unauthorized hard credit inquiries constitute XXXX FCRA violations of willful noncompliance, and XXXX FCRA violations of negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have the Experian app, and I keep getting emails saying get your free credit report, and EVERYTIME I try to log in and ask for it the app says that I need to log in and EVERYTIME I do it repeats this process. I also called Experian about this and also their automated phone is faulty too. And I cant get a hold of a person either. All I want is my free credit report, is that hard to ask?

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 2022-08-06
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:
After reviewing my credit report on XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize and it is affecting my credit report. I sent a letter via USPS certified mail to all 3 credit bureaus but my credit report is still negative with items I did not authorize. I checked my credit report recently there are still accounts there that investigation did not remove it from my credit report In accordance with the fair credit reporting act, everything has to be 100 % Accrate on my credit report and Under 15 U.S Code 1681e ( b ) And 15 U.S. Code 1681i ( 5 ) these Accounts are in violation and not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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:
After reviewing my credit report on XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize and it is affecting my credit report. I sent a letter via USPS certified mail to all 3 credit bureaus but my credit report is still negative with items I did not authorize. I checked my credit report recently there are still accounts there that investigation did not remove it from my credit report In accordance with the fair credit reporting act, everything has to be XXXX XXXX Accrate on my credit report and Under 15 U.S Code 1681e ( b ) And 15 U.S. Code 1681i ( 5 ) these Accounts are in violation and not reporting 100 % accurate.

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 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 have sent XXXX and Trans Union numerous requests to investigate, verify and remove an account from my credit report/file that does not belong to me and they are not responding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: EQUIFAX, INC.
State: NM
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 have sent Equifax and XXXX XXXX numerous requests to investigate, verify and remove an account from my credit report/file that does not belong to me and they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Solomon and Solomon, P.C.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Solomon & Solomon located at XXXX XXXX XXXX, XXXX NY XXXX is reporting an incorrect debt to all three credit bureaus. I contacted Solomon & Solomon on XX/XX/2018 by certified mail requesting validation of the alleged debt in writing. Solomon not only failed to provide adequate evidence of this owed amount of {$740.00} but failed to respond at all. After contacting Solomon on XX/XX/2018 by phone the representative informed me they could not provide the requested validation documents, after informing the representative they could not attempt collection of an account they can not verify she then ended the phone call with no prompt. This account has been disputed with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: ROBINHOOD MARKETS INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This complaint involves Robinhood stocks. I have an account that Im trying to close. Robinhood wont release my money. The website say to email me - but they wont respond. When I try to call, theres a message directing callers to email - which they wont respond. Ive filed a XXXX  complaint - and they wont respond to that.

I closed my original bank account - XXXX XXXX - for personal reasons. Robinhood wont release my money because I closed that bank account. I have another verified bank account - but system wont allow me transfer to that. 

So I cant talk to anyone to verify who I am, I cant verify myself online to set up the transfer, and they wont respond to service. So in the meantime my money sits there being held XXXX. 

I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Last year XX/XX/2019 open bank account other one open in my name that just opened need be close I need fix my credit sores on my name is an way you can help take off The charges that were made to my account but I never did them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: ALLY FINANCIAL INC.
State: WA
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:
On XX/XX/XXXX, I made my final loan payment of {$260.00} to Ally Financial. The only amount that was left to pay was {$420.00} in late charges that had accumulated over the years. On XX/XX/XXXX, I notice that Ally had not updated my account balance with any of the major consumer credit bureaus since XX/XX/XXXX so I filed a dispute with XXXX. The dispute alleged that my balance was {$260.00} and not {$2400.00} as currently being reported. I uploaded to XXXX  a copy of a letter Ally sent me dated XX/XX/XXXX that stated my principal balance was {$0.00} and late fees {$410.00}. However, upon resolution of the dispute on XX/XX/XXXX, the only thing that was updated was 30 days late payment in XX/XX/XXXX for which I will file a separate CFPB complaint for. Again, I filed another dispute on XX/XX/XXXX regarding the incorrect balance and again on XX/XX/XXXX, the resolution was the same as last time, no update to my current balance. Again filed another complaint another complaint on XX/XX/XXXX and the result have not come back yet. In addition, Ally went so far as to change my XXXX credit report from correct current balance of {$400.00} back to {$2400.00}.

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 2019-08-15
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a loan that I never physically signed an agreement for with Navy Federal and I've been informed that they have been in talks with my chain of command about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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:
nquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX   XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX remove all the inquires

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