BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
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 had two credit cards with Bank of America, had a high utilization but bills were being paid, without prior notice they closed my accounts. I never recieved a call, e-mail or letter inidcating my account could and/or will be closed, if i did o would have made my arragements so this wouldnt happen

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 2023-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Sent an overnight check to Capital One Bank on XX/XX/XXXX which was for more than the balance due, check was signed for on XX/XX/XXXX. The check amount was credited to my account on XX/XX/XXXX. After seeing the posting online, I contacted Capital One to see if the would consider waiving the interest fees that were charged to my account seeing I have never been late, and my account was in very good standing with them and customer service confirmed that the account was in very good standing. Also, I asked why it took them 3 days to post to my account and accrue additional interest. I never have asked for any consideration in the past to waive any interest charges. I was told NO by customer service and that they had 3 days to post my check. They could not give me a straight answer to why the check was not posted on XX/XX/XXXX when it was signed for and received. All i was asking for was a overpayment of {$71.00} returned to me which included the waiving of the accrued interest. I was still told NO that they could not waive any fees and the interest of {$26.00} will be deducted from my overpayment plus the XXXX charge of {$7.00} and a total of {$37.00} would be sent to me in approx. XXXX. I requested that the funs be sent to me that day. They said they would process the request and a check would be mailed in XXXX business days. I tried to explain that I have paid off several Credit Cards, which were overpaid and ALL XXXX, XXXX, XXXX XXXX  and XXXXXXXX XXXX  ALL waived there interest fees and the Full Overpayment dollar amount was refunded in Full. Dealing with Capital One XXXX Customer service is a nightmare. I even spoke to a supervisor and She told me that the decision they mentioned will stick. I told them that I would file a complaint and I was told To Go Do What You Want. All we are talking about is a total Refund of {$64.00}, not {$37.00} I even took steps to make sure no Additional Charges are placed on this Credit Card Again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: ADIR INTERNATIONAL LLC
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit reporting act this creditor has violated my rights. Under 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: DISCOVER BANK
State: MI
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:
Discover is furnishing information for an account to XXXX and XXXX that is false/misleading/inaccurate, yet continues to " verify '' information is " accurate as reported '' to both to XXXX and XXXX. At this point Discover knows or should know the information is inchoate because it contains multiple periods over which the account was alleged charged-off, to include periods which the account was paid as agreed ( see account/tradeline as reported by XXXX in attached file XXXX XXXX '' ). The account/tradeline as reported by XXXX and XXXX exhibit the same inconsistencies and thus it seems Discover has padded information to fit an alleged charge-off event on or around XX/XX/XXXX or XX/XX/XXXX ( see attached " XXXX '' ). In a XXXX XX/XX/XXXX response to CFPB complaint XXXX Discover alleges the event took place in XX/XX/XXXX, while its own system alleges a charge-off took place in early XX/XX/XXXX AFTER taking a payment that would have prevented the alleged charge-off from occurring ( see attached " discover_dispute_claims_with_docs.pdf '' ) Thus, Discover appears to be violating its responsibilities under 15 U.S. Code 1681s2 by furnishing information it knows or has reasonable cause to believe is inaccurate. Unfortunately, the CRAs have been all too willing to accept the inaccurate information and claim they have met their own responsibilities under 15 U.S. Code 1681, et. seq. when the account/tradeline is not being reported with maximum possible accuracy as required under 15 U.S. Code 1681e.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chime suspended my account with no valid reason and when I tried getting it resolved from the phone number provided they would tell me it could only be resolved by email. After sending everything they asked they just kept sending me an automated message requesting documents that agents I spoke with verified that they had. I emailed and advised that I would take legal action as they are holding my savings without trying to provide a resolution. They only responded for me to send them a W-9 which I then verified online to be a document you fill out when applying for a job. I told them that after a week and a half of emails and unproductive calls I no longer wanted to restore the account that I only wanted to close it and get my funds deposited into my savings. Mind you I have sent my proof of ID and address a total of 7 times at this point. No one will help me get this resolved. I am at my wits end with this issue as they are not providing me any avenue of resolution. Please help get this issue resolved so that I can move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My wife is deceased on XX/XX/23. I went to Chase Bank to close her accounts. I am her husband. The bank manager told me that someone had already closed her accounts. This happened without my permission. The bank won't tell me who closed the accounts. There is no designated beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$3200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$640.00}

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 2023-12-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
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: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous account on my credit report that were not open by me. This has been hurting me as I am in the process of buying a house for my family. Please remove the fraudulent accounts from my credit report 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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Each company is showing Inquiries on my report that are false. I have provided proof and the company who sent furnished the inquiries also reached out to them expressing that they should be removed and they have not yet done so. I have contacted each company as well as place a CFPB complaint on this issue and it has not been removed from my credit reports. I have the exact letter from the furnishing company on what should not be on my reports at all. this is hurting my credit and my opportunities! below are a list of the inquires that should be deleted asap. 

Date in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: LA
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred to Newrez in late XXXX. I was informed that my automatic payment authorization would transfer, I didn't expect this to be accurate so I manually made a payment in XX/XX/XXXX. I enrolled on their site in autopay and had hoped that this would work. However, Newrez refuses to draft my monthly mortgage payment, and instead calls me after the grace period and after additional interest is accrued on my loan. They further refuse to apply my payment retroactively. Going forward I wont trust their auto pay and will verify my payment is made, but I ask that Newrez apply my XXXX and XX/XX/XXXX mortgage payment retroactively to the XXXX of the respective month. This is clear UDAAP practices given my inability to avoid the harm they are creating. 

I last spoke with XXXX XXXX who confirmed that there was a temporary autopay hold on my account that was supposed to have been removed on XXXX, but was not that prevented my XX/XX/XXXX payment from being drafted on XXXX and that there was a technical issues that prevented my XXXX payment from being collected. I was never contacted about the technical issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
THIS COMPANY HAS FAILED TO FIX MY RESTRICTION I GAVE THEM A UTILITY BILL AND MY FRONT AMD BACK OF ID AND THEY ARE STILL REQUESTING OTHER CONFIDENTIAL INFORMATION THAT I FEEL THAT IS NOT SAFE THIS COMPANY HAS ALREADY HAD A DATA BREACH AND THEY CONTINUOUSLY ASK FOR OTHER CONFIDENTIAL INFORMATION AFTER ISSUING THE CARD WHY NOT ASK FOR THIS INFORMATION BEFORE ISSUING ME A CARD ALSO THIS COMPANY HAS BEEN SUED FOR THE XXXX XXXX DOLLAR DATA BREACH I WOULD LIKE THIS COMPANY TO FIX MY ACCOUNT ALSO THEY WANT ME TO MAKE A PAYMENT WHEN MY ACCOUNT IS RESTRICTED BUT I CANT USE IT I FEEL LIKE THIS COMPANY IS SELLING US CITIZENS INFORMATION TOO THIRD PARTIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: SANTANDER HOLDINGS USA, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed with this creditor and I have requested bank transitions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and preform an investigation. The creditor has illegally reaged my date late active XXXX. XXXX is missing date last active and is unverifiable. XXXX failed to update my account and do a proper investigation. The creditor last reported XX/XX/XXXX even though I sent my dispute XX/XX/XXXX. Today is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: CITIBANK, N.A.
State: NJ
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 received an alert from stating someone tried to apply for a citibank credit card in my name. I have not applied for any credit cards recently so this is not me. Can someone please contact 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I have several unauthorized inquiries on my report. I have contacted all three credit bureaus by phone and email numerous times each month with no resolution. They all provide me with the same script to contact the company which I have and they advise me to contact the credit bureaus. Below I have provided the inquiries from each credit bureau. Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received an email invitation from Citibank to receive a {$450.00} bonus if I opened a XXXX account and deposited more than {$50000.00} in new money and held it in there for at least XXXX days. I opened the account on XX/XX/XXXX and funded it with {$50000.00} from XXXX. That money has been in the Citibank XXXX account since XX/XX/XXXX. I received an email from Citibank on XX/XX/XXXX thanking me for enrolling in the bonus program for the Citibank XXXX account. I called into Citibank in XXXX after the XXXX days was over to ask about the bonus and was informed that it took up to XXXX days for the bonus to be paid to me and that it was scheduled to be paid to me no later than XX/XX/XXXX. When no deposit was paid on XX/XX/XXXX I called Citibank and was told to wait until the next day to file a Dispute Case. I called back on XX/XX/XXXX and started a Dispute Case ( XXXX ) which I was told would be resolved within XXXX business days. When I called back on XX/XX/XXXX to ask about the results, I was then told it could take a total of XXXX business days and to call back then. I called back on XX/XX/XXXX and there was still no answer with no information on when it would be resolved. I called back XX/XX/XXXX and it was the same as the time before with no update and no information on when it will be resolved. So I am now filing this complaint as I don't have any other recourse.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A request was submitted multiple times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. They responded claiming this account was accurate, however I am not liable for this debt with XXXXXXXX XXXX for {$1400.00}. I do not have a contract with XXXX XXXX XXXX and they did not provide me with the original contract as requested. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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 2023-11-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have XXXX $ initial deposit XXXX $ of interest stuck in a Citizens Access Account. Without giving me any information, Citizens has removed my ability to extract my money, or close my account. 

XX/XX/XXXX : Opened Citizens Access Savings Account, transferred XXXX $ as an initial deposit from my XXXX XXXX XXXX XXXX ( Direct Debit Payment ). 

XX/XX/XXXX : Tried to deposit more money into Savings Account. Error " Sorry, we can't schedule your transfer right now. Please try again or give us a call at XXXX. '' I called the number. They told me that they have terminated the account, without giving any more information. I had not received any notice of the cancellation via email or post, and have not to this date. I did not follow up, thinking theyd just transfer back my money eventually, which wouldve been fine with me. 

XX/XX/XXXX : No transfer has occurred. The account is still accessible via the online portal, but I can not extract any funds. I called XXXX again, wanting to close the account myself. They told me again that they have terminated the account ( without more information why ). They told me to transfer out the money I need my own bank to send a ACH Reversal Request or a Hold Harmless Letter. I contact my bank ( XXXX ). XXXX can not reverse the ACH transaction ( since its 4 months old at this point, and the transaction was valid ). XXXX has no clue what a Hold Harmless Letter is, and they can not send it. To further complicate matters, XXXX has switched their XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) so my XXXX XXXX  XXXX number has changed. I added my XXXX XXXX account as the link account to the Citizens savings account. 

XX/XX/XXXX : No transfer has occurred. I called Citizens again, telling them that my bank can not send these letters, as its not possible. Citizens can not give me more information. 

XX/XX/XXXX : Called again, same outcome. I was told they're opening a ticket and will call me back. 

XX/XX/XXXX : They call me back, just to give me same information that I've been told before, about the ACH reversal / hold harmless letter, and without any information as to why my account was frozen. I checked Citizens document center and found a notice of account freeze dated to XX/XX/XXXX ( notably, the freeze is dated before the notice of account details, which I received XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: MD
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 explanation