BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-20
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Late fee

Complaint:
I used my Macy 's credit card, issued by Department Stores National Bank, in-store for a purchase of about {$65.00}. I had moved since using the card last, and asked the cashier to confirm my address on file. She said my address on file was correct. I never received an invoice for this charge. Six months went by, and I never received an invoice by mail or email. The bank did have my correct email address on file. The only reason I realized I had an outstanding balance was because I checked my credit report. They charged me {$150.00} in late charges and interest fees and were unwilling to work with me on this. After calling, I found out the only way to dispute the charges was via mail or fax. I did that, and I just never heard back from them at all. I fully paid the {$150.00} to avoid further damage to my credit report. I found this bank to be very unprofessional, in their lack of contacting me. I am very disappointed to have had to pay such a large amount of late charges, and having a black mark on 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 monetary relief
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX / XXXX XXXX reported two missed payments ( 30 days ) on my mortgage which were due to errors within their own system ( auto draft ) as well as their inability to appropriately communicate these errors to the consumer by email, mail, or phone. This was disputed with XXXX as well as experian. The dispute changed nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
In XXXX 2016 the credit card company told me they mailed me a new card, I never received it, so they mailed me another XXXX. Neither card was requested by me and sent to me due to the credit card company putting electronic chips on the card. I received checks in the mail for this credit card for an offer for a zero % balance transfer. I could use the checks until XXXX XXXX 2016. On XXXX XXXX I deposited the balance transfer check for {$2900.00}. On XXXX XXXX the balance transfer check bounced. I called the credit card company and they said, the check is tied to the previous credit card number not my credit card account number so that is why the check bounced. Nowhere on the check did it say " if you receive a new card do not use these checks they will bounce '' NO WHERE. I asked the company to refund me the overdraft fee and bounce check fee and they refused. I spoke to a manager, he said " the bounce fee if from your bank, not us, we can not credit you anything ''. I asked for their Rep # or ID, they said they do not give those out to any customer, I asked if I can record him on my phone saying that, he said if you record me I will hang up, I am not allowed to be on a recorded call ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The mortgage and lease auto accounts were paid in full and no longer valid. Last reporting information needs to be reported with comments that these loans were paid as agree upon. 
The Tax Lein is close to XXXX years old and was paid off before it was submitted to collections. The public report needs to be removed from XXXX Credit Bureau immediately. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and all other medical collections were paid in full and should be removed from this credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Reference Complaint ID : XXXX-XXXX Thank you for your assistance in my attempt to close out five savings accounts with Capital One. You have all this information in my complaint file. I attempted to call Capital One as per their suggestion after CFPB got involved. This was unsuccessful as I could not get through their phone maze. Thus their solution was no solution at all. Capital One has the written/signed letter from me requesting the close out of these accounts ( 5 ) and wire the funds ( c. {$64000.00} ) to my checking account. All this information is one their system. This has been going on for a month. This is unethical and illegal. Please intercede again in the expectation of finally getting this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The account reporting XXXX XXXX is past the statute of limitations no verification or validation has been completed by Equifax. This item needs to be removed as this is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for Chapter XXXX Bankruptcy and included items listed in Chex Systems in the Bankruptcy. I continue to receive decline notices because of the Chex Systems and the items were discharged today. Please have Chex Systems remove these negative items as I am unable to participate fully in the banking system and the items are improperly reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed bankruptcy back in 2013 and the check system is showing that I owe on some checks that were taken care of in my bankruptcy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I received a call from Wells Fargo bank ( XXXX ) XXXX saying they caught two suspicious purchases in XXXX, Az. I denied making the purchases and the representative was going to reissue a new card and reset our account. They told me to verify my identity they would send a code to be read back to them. The text came from a Wells Fargo number ( XXXX ). Debit card was reissued then we started the password reset. At that time I realized I was locked out of my account and the call was dropped. I called Wells Fargo back using the number in my card. The representative stated no claim had been filed on my behalf and a claim was filed then. After I regained access to my account after over an hour on the phone with Wells Fargo I found several digital wallet tapped purchases were made. All purchases/withdrawals were made on XX/XX/2022, I found that {$1000.00} was withdrawn from our savings at a Wells Fargo ATM in XXXX, Wa, multiple cash advances were requested from our credit card to our checking account ( those were never processed by WF ) and several purchases were made at XXXX in XXXX, Wa. Purchases as follows {$52.00}, {$1300.00} and {$2800.00}. Our claim for unauthorized ATM withdrawal was approved and the funds were returned. Our claim for unauthorized purchases made from XXXX were denied citing a PIN was used. Per Wells Fargo claim department a PIN was also used at the ATM, but that action was determined to be unauthorized. Also note the first attempted purchase of {$2800.00} was originally declined by Wells Fargo and an ATM withdrawal of a smaller amount was declined.

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 2015-05-23
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not owe this debt. I have rechecked my dates that I was covered by my parent 's policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parent 's policy in XXXX XXXX. 
On turning the age of XXXX, it became my secondary policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 
All payments for health care services had been compensated for via insurance. I do not own any medical debts, I even had additional coverage in my employment package. Please note this to my prior entry I do not owe this debt. 
On turning the age of XXXX, it became my secondary policy and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 pulled my report and saw that i had some inquiries on my report that i didnt recognize. I called the creditors and asked to have them deleted, i also wrote letters to both bureaus and nothing was done.

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 2020-12-30
Company: BANCO POPULAR DE PUERTO RICO
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Please see attached letter, which explains in detail the situation. In summary, Banco Popular is assessing outrageously high and inappropriate fees for me to access historical records of my account, that should be provided without cost.

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 2017-05-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I purchased a 7 month {$1000.00} CD at 4 % interest compounded daily on  XX/XX/XXXX  from   XXXX     XXXX   XXXX . Account or  XXXX  number :  XXXX . I never redeemed the CD expecting that it would continue to collect interest, even if adjusted. About  10 to 14 wee ks ago I called Fifth Third (  5/3 ) B ank who purchased   XXXX   XXXX   XXXX   some years ago about redeeming it. Several times I have been promised return calls from both the Corporate office and local branch but they never have kept their promises. I call back and they tell me it will take a week or so to research the matter of providing proof it was redeemed and try to dissuade me by saying it might cost me a lot of money for them to do that. I tell them to do the research. Then they say they may have deleted or purged the information.I do not believe I ever received any form of payment for the CD. It was purchased as a gift for my son and he kept saying he would let me know when to cash it in and give him the money. He waited until recently to ask me about it as our family is planning a  XXXX  vacation this Fall and he always intended to use it for travel. After several calls to the branch ( phone :  XXXX  ) I spoke to  XXXX  a t Fifth Third Corporate  on  XXXX / XXXX / XXXX  ;  XXXX  #  XXXX . Any assistance you can provide me would be greatly appreciated. I know my CPA tells me I have to keep my tax and business records indefinitely. I would think the banking industry would be have at least the same requirements as a small business owner would. Thank You Again,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My business banking account with Chase was hacked for a 2nd time in 13 months. The first time, I was provided a temporary credit and case was closed within 18 days. Chase did NOT flag my account. On XX/XX/2022, I discovered the account was again missing money. They sent me the fraud packet 2 WEEKS later. Their own paperwork provided the incorrect fax number. I had branch manager submit to correct fax number. Still no credit from Chase. Learned yesterday they wanted me to fax it to ANOTHER number. Branch manager did this through his internal system. I have no money, my stellar 25 year reputation in my industry is at risk because I can't pay my vendors. I want my money and my life back. If I live in XXXX, GA why was someone allowed to go into a Chase in XXXX and attach a savings account to my business account? Why didn't someone pick up the phone and call me? Why wasn't this account flagged? I want my money back as soon as possible. I am taking to all social media to make other small business owners aware that Chase 's " fraud protection '' is a JOKE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-14
Company: Lenderfi, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
LenderFi, Inc. created multiple delays in processing our loan documents, eventually necessitating a rate lock extension with a {$780.00} fee. At one point we were told that documents faxed in by our agent had mistakenly been sitting on someone 's desk for 3 weeks. In addition, the morning the appraisal was scheduled we received an email stating that we failed to qualify, and so we delayed the appraisal over a weekend, by which time they had reversed this position and we were able to have the appraisal immediately performed. 
LenderFi President XXXX XXXX told us that they would only pay half of the {$780.00} fee due to our role in delaying the appraisal, which we agreed to. He stated on XXXX ( via text message to our real estate agent ) that he was mailing a check for {$390.00}. We have yet to receive this check, and have been unable to contact him since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12
Company: Zieg Law Group, LLC
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Zieg Law Group contacted me XX/XX/XXXX stated I owed a student debt in the amount of {$1000.00} and I needed to make a payment. Iasked for what, they said I had student loan debt with XXXX XXXX. I let them know I never received anything in the mail, or neither had I been contacted before about the debt. I updated my address and I also made sure to ask them to send me the information in the mail. I said I could only pay {$50.00} but they said it needed to be {$100.00}, so I was paying on it for three months. I was trying to figure out how much I owe since I have made 3 payments of XXXX. Dates : XX/XX/2021, {$100.00}, XX/XX/2021, {$100.00}, XX/XX/2021 {$100.00}. I had also still had not received any information on the debt. I contacted the company today and they said they sent it to my old address, and didnt have the new address, I said I called and updated it and the gentleman said oh yes we have it, we still sent it to the old address. I have never received any information on the debt owed, the terms, or the amount. I have asked them so stop taking the payments until I received the information. I was told that I would have to deal with it a lot harder now. I have been paying but I have no idea what it is even for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: CITIBANK, N.A.
State: UT
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:
For years now we have had an account at CitiBank ( Costco ) and have always made our payments online and on time. Because we discontinued our membership at Costco a year ago, they for some reason removed access to our online account ( where we made payments. ) Since that time we have gone round and round about making payments through our bill pay service at the bank, and because of the failure on their part to post correctly, we are getting charged undo interest and fees. We are currently paying this through our online banking with the information provided by them. I am consistently called and told I have a past due payment when it was sent weeks ago by my bank. Today they were calling me for {$7.00} in past due something, but will not allow me to pay less than my minimum payment. They tell me I should pay by calling in my payment, or setting up automatic payments, and I do not feel comfortable ( with this current screw-up ) I should have to do this. Every time I call to get help, I get transferred to multiple extensions and told I will be credited for this mix up, but that does not seem to happen and I continue to get calls. The overall impact on my credit is another issue because now they report me as paying late when I pay my payments. I am tired of having to explain this issue with every single person who calls me and get no resolution. They need to give me back my online access so I can pay through that portal. Oh the topper for all of this is they say I have to know the entire card number. Since I do not use it and closed the account at Costco I destroyed the cards. They will not send me nor provide me the account number. HELP!

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 2015-08-24
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have creditors that are time sensitive debts that are over ten years old and by Oregon state law it is my understanding they should no longer be on my credit report. What information can you provide me to help remove these creditors from my report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions 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:
I have contacted Experian, XXXX and XXXX via phone dispute, online an mail regarding XXXX XXXX XXXX XXXX. They are reporting me as being late XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I have NEVER been late. This is a closed account that was paid in full and NEVER late. I asked for it to be DELETED or REMOVE all of the above inaccurate reporting. They are in violation of US Code 1681. They would return my request stating it is verified. I told them to show me verification which they could not because I was never late. Also XXXX will not remove XXXX XXXX from my credit inquiry. I don't have an account I have never applied.Please remove.

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 2022-06-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I, XXXX XXXX XXXX XXXX experienced identity theft on XX/XX/2022. 

TD Bank Account : In my name a checking account was opened : XXXX savings account information : XXXX I did call and communicate with the company that this was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have an unauthorized inquiry from XXXX XXXX XX/XX/2020 on and XX/XX/2020 on my XXXX, Transunion and XXXX  credit report. I never authorized this inquiry or told them they could pull my credit report. I am requesting the inquiry to be deleted or changed to a soft inquiry since hard inquiries have a negative impact on my credit score. I already disputed this with the CRA.

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