BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: NY
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 reported to both the credit reporting agencies and the creditors about the account that was opened using my information, the account was not open by me, nor authorized to be opened by me. The creditor did not do a thorough investigation into to this matter.

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 2016-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
I posted my credit card payment the day it was due, XXXX XXXX. However, I live on the West Coast and was not able to do so until after XXXX, or after XXXX Eastern. As a result I was charged a late fee and interest. When previously trying to pay my bill, their website was often down, preventing me from doing so. I paid my bill on the correct day, and was still charged a fee, despite never having been " late '' before. I called customer service to find out what happened and this was what they explained to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citi performed what I can only describe as a bait-and-switch. I signed up for a CitiGold checking account at the end of XXXX XXXX using a promotion ( code : XXXX ) that offered XXXX AAdvantage Miles within 90 days of completing the following requirements : perform a bill payment in 2 consecutive months and make {$1000.00} in debit card purchases. I finished meeting those requirements on XXXX XXXX, XXXX and verified with a Citi representative over the phone, while taking care of other business, that I met all of the requirements and would be receiving my miles. Not only did I not receive the miles, but now Citi has told me that I was never eligible for the promotion even though the terms ( attached ) specifically say " you provided the special offer code XXXX to be eligible to receive ... XXXX AAdvantage miles '' and a representative later told me I was eligible, completed the terms, and would be receiving the miles. 

To elaborate, I waited until XXXX XXXX, 2 weeks after the latest date I was supposed to receive the miles, to send a secure message about the issue. At which point an investigation was opened and I was promised a response within 3-5 business days. I contacted Citi through their online chat after 5 days had passed without a response and a second request was placed, this time I was promised a response within 2 business days. After another 5 business days with no response, I contacted Citi over chat again and was this time basically told that I 'd hear back from the investigation when I hear back from the investigation. When I expressed my dissatisfaction I was given a phone number and told it was for the promotional department. The next day I called that number only to discover that it was Citi 's normal customer service number. After going through the prompts I was able to talk to a general customer service representative about the issue and was told she would personally contact the person assigned to my investigation and call me the next day. She did in fact call me the next day, making it the first time Citi ever followed through on their word, and that is when I found out the investigation team in the promotional department denied my claim while citing that I was never targeted for the promotion. After pushing even further, I was told I was indeed not eligible and there was no evidence of misinformation so I will never be seeing the miles. I completely disagree on all accounts and feel that Citi is simply trying to avoid honoring their side of the agreed upon terms. 

So, in short, Citi baited me into signing up for a CitiGold account with a promotion and then made up an excuse to deny me the bonus I earned through the promotion. After some research it is clear that Citi has a history of doing this very thing to their customers and it should not be tolerated.

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 2016-09-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My mother and I bought property together and I also had martial home which was not my mothers. Wells Fargo foreclosed I 'm property that I did n't given permission to use. This property was part of a divorce settlement dispute and XXXX XXXX had no right to property. XXXX XXXX of XXXX was loan officer I believed he fudge paperwork and committed some type of false information which in end result made my mother lose all her property 's it should have been exempt from taking mine

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 2022-11-02
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After my XX/XX/XXXX complaint, Mr. Cooper stated their legal department would respond directly to me and has not done so at all. Instead, a local attorney is threatening me with an arraignement, bail and jail time for making my CFPB complaints seeking my " punishment '' in XXXX XXXX XXXX XXXX on XX/XX/XXXX using a never extended expired interlocutory order from XXXX to try to achieve my jailing for making a valid RESPA complaint. 

I need immediate help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a XXXX  and found out I was in collections for XXXX. I never received a letter or a phone call from UCB. When I called UCB, my address was wrong so i gave them the correct information to update it in their system. My insurance which is the Department of Veterans Affairs called them XX/XX/2021 and multiple times since then to give them the CORRECT information to bill my claim and to request a update. UCB told me it can take up to 30-45 days, but if my claim was indeed resubmitted electronically my insurance would have received it in three days. I have called once a week to see if my claim has been resubmitted to my insurance and I am told it was. IT is now XX/XX/2021 and my insurance still has not received it. My Insurance and I have called them multiple times giving them the information to resubmit and they have not done their job. When we call to verify the information, the representatives always has it wrong after we has already given them the information previously. Now my insurance may deny the claim because UCB and the providers office who sent me to collections failed to submit my claim to my insurance in a timely manner. This entire bill could have been paid if people did their job correctly. The Department of Veterans Affairs has already told them that they need to write the debt off because I am not liable for their mistakes. UCB employees are rude, shows no empathy and has yet to resolve this. i have talked to multiple employees at UCB and a supervisor and no one is resolving this matter, or giving me accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/01 an credit card was applied for using my personal information through XXXX XXXXXXXX XXXX for 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 2017-02-01
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
During the timeframe of when I held my account there at Navy Federal Credit Union in XXXX Washington from XXXX. When accounts became due they would freeze my savings/checking accounts until I paid them or scheduled a payment. This was normal operations for them every 2 weeks. I would have to call them to unfreeze my accounts on a daily basis at times. I am sure Navy Federal has records of this. That was the reason why I closed my accounts and went with another bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Credit determination

Complaint:
I contact Capital One to Report my Credit Loss the representative XXXX indicated when she put in my social security number nothing comes. Can you please tell how that so when I have credit with Capital One. Pleas review Capital One system and check for my Credit Card and make sure they working within the Federal Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report becaue my fico score had dropped drastically and I was confused as to why. Upon checking my credit report it showed an address I had not lived at and a company I did not work for. I called the credit bureau and filed a dispute. They informed me that I would have to contact the collection agency ( I C System, XXXX ). I did this and they said it was an outstanding bill for XXXX XXXX for {$380.00} and how would I like to pay for it. I told them I had not lived at the XXXX XXXX address and that it was not my bill. They then told me I could contact XXXX to see what they would do but until then I owed the bill.I contacted the XXXX XXXX Department and submitted all the information 2X but they have not called me back after I asked to speak to a supervisor. I gave them the last 4 digits of my social security number but I refused to give someone in the XXXX XXXX my full number. I was assigned a ticket # and I was told I should hear from them within 2 days and that was the middle of last week. I have since made a police report. I have lived at my current address for the last 48 years and in fact had XXXX during the time the debt occurred at my present address. I supplied them with utility bills for the time represented but so far it hasnt been 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
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: FL
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 sent a written request to Equifax asking for my free written credit report on XX/XX/21 and again on XX/XX/21 I also enclosed a copy of my drivers license and a copy of my social security card along with two current utility bills and still they have failed to send me my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a payment of {$50000.00} on XX/XX/2022. On XX/XX/2022, my bank deducted the exact amount without reason nor any consent from me. I sent messages to try to get it back and they never answered me. They keep sending me a message asking if they could debit my account ( which they did already ) but I keep sending back email saying I do not approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My account was closed by Wells Fargo. Before informing me that they were closing my account, I deposited XXXX checks using at a Wells Fargo atm. The checks were NOT processed by Wells Fargo, and were immediately rejected because the account was in the process of being closed. This occurred on XXXX/XXXX/15. 
I would like the checks returned so I can deposit them into another account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX has put a judgement on my personal checking account. They do not hold an active XXXX bond in Texas. They hired XXXX XXXX, who are actively bonded in Texas, but this NOT enough to get around the bond requirement, per XXXX XXXX XXXX XXXX. This is an unlawful attempt to collect a debt that I was not properly notified of nor made properly aware of where the debt originated. This debt was charged off by the original company and placing judgement against me by a collection company NOT bonded in the State of Texas. And once they hired attorney to take over made this claim and therefor the judgement placed on my acount unlawful in the State of Texas.

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 2017-01-08
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from AMERICOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMERICOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Experian Information Solutions Inc.
State: SC
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:
My issue is with Experian. In early XX/XX/2021 I switched credit cards with XXXX XXXX from one card to another, and paid off and closed a visa card with a balance of {$470.00}, with a credit line of {$500.00}. And I opened a card with a {$1500.00} limit ( give or take ) with cash back rewards. In late XXXX or early XXXX both accounts were appearing as open with amounts due on Experian and so I disputed the one with the {$470.00} balance as paid and closed, believing they would just check with XXXX XXXX and report the update. 

Experian reported back that XXXX  XXXX CONFIRMED the balance and open account, which should not be the case although I am having difficulties getting XXXX XXXX to " accept '' that I REALLY DO MEAN IT THAT I DO NOT WANT THAT CARD ANYMORE because they charge an annual fee. It does still appear as an " account '' next to the card that is open, and they remind me that I can " reactivate '' it. 
But in any event I responded today to EXPERIAN, XX/XX/2021 by uploading my closing statement from XXXX  XXXX for the account, showing both the {$500.00} line of credit, the {$0.00} balance due, and the {$0.00} AVAILABLE CREDIT because the account is closed. I uploaded the statement and disputed the account again as paid and closed. 

Experian responded by reinstating the ongoing open account with {$470.00} balance due on my credit report, and updating the current status to XX/XX/2021. Clearly they have not updated it to today based on discussing it with XXXX XXXX, but only based on receiving my credit card statement and new dispute. Has Experian turned a simple misstated account status that was in no way Experian 's fault, into an intentionally false account report, intentionally misreported BY EXPERIAN, based only on my current XXXX  XXXX account statement, which I uploaded to them, and NO COUNTERVAILING EVIDENCE TO THE CONTRARY, as the basis for their CURRENT credit reporting? That's fraudulent reporting and violations the Fair Credit Reporting Act. Experian has taken what was a simple slightly out of date account notation that I was looking to update because I was credit card shopping and turned into an intentional act of XXXX FRAUD by EXPERIAN, just to XXXX with me, by making it appear that as of XX/XX/XXXX, today, XXXX XXXX states I owe them {$470.00} on this account that I paid and closed in early XXXX. So I am angry about it! 

I am trying to buy a car, and now I will have to pay a higher interest rate for FIVE YEARS, because Experian is XXXX with me, apparently out of vindictiveness for disputing this account twice. These couple of credit points of increase will push me into the next highest rating tier.

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 2016-11-24
Company: Armed Forces Loans of Nevada Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Armed forces loans continues to report the loan as late even though the under the terms of the loan the final payment due date was in XXXX. Instead they are reporting a missed payment for XXXX XXXX, XXXX XXXX, etc including all month untill now it currently states that I recently missed XXXX and XXXX XXXX payments. I 'm an attempt to resolve the issue they refused to put offers in writing so they could attemp to collect more.

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 2015-08-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian has the wrong information and will not delete information that is XXXX years old from the time of first delinquency and provides the wrong information regardless of who asks for it if it has wrong information ad will not accept the right information the account must be deleted. if the account is joint information and the data is wrong it does not matter how many times you dispute wrong information it is never deleted. If XXXX sold the wrong data to XXXX XXXX and they report the wrong data than XXXX XXXX is wrong as well

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello ... .I 'm writing this complaint to appeal against Wells Fargo mortgage. My wife and I feel mislead and discriminated on by our age. We just recently came out of a chapter XXXX bankruptcy. Everything was discharged through BKXXXX, except a few creditors, Wells fargo XXXX of them. We have entered into an agreement with Wells Fargo in good faith because they Promised to help us with our hardship. After signing all the documents and sending ontime P/I payments of {$400.00} for over 7 months ( loan # XXXX ) per said modification, the mortgage company is trying to foreclose on our property. At age XXXX and and XXXX we do n't have much. Our hardship propelled us into BK XXXX, I loss my job several years ago and wife had a tremendous loss in work hours. This affected our financial wellness. I have sent in all documentation at least a XXXX times until finally we were assured by XXXX XXXX That everything was ok and no other documents were needed and the modification was finalized and to expect the final documents to be signed. We were instead greeted with numberous harassing phone calls and demeaning tones by many other representatives who just did n't care about what we had to say. My other major concern is whatever happen to All the money that we paid specially for the modification P/I over the 7 months period. Wells Fargo said the fund was applied to the balance of my mortgage, but instead the amount owed now is vastly different. WE DONT WANT TO LOSE OUR HOME THAT WE HAVE HAD FOR SO LONG. PLEASE HELP US SAVE OUR HOME. Thank you. 

Sincerely XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have an account with citibank. I had financial difficulties any could not make my monthly payments on the account and my account was over the limit. Citibank closed the account and continually reports over-limit and late payments to the major credit bureaus. I am not disputing that I owe citibank nor am I trying to not pay them. I have been paying what I can and recently set up an autopay payment of {$64.00} to be debited 2x 's a month in the amount of {$32.00}. On XX/XX/XXXX I received an email saying my autopay was coming up and the amount was not {$32.00} is was {$780.00}! I did n't set up nor authorize a payment for {$780.00}! I immediately went online and changed it back to {$64.00}. I received an email confirmation of my updated payment. I went online and checked my bank account and citibank withdrew {$780.00} which caused my car and credit card payment to bounce resulting in return and late fees of {$170.00}! My credit card charges an additional fee of {$39.00} because now I am also over my limit! I called citibank and while the person I spoke with tried to help he said my account was on hold and they would n't do anything. I had to call my bank and explain everything, then call the credit card company, and them the car company. This has been an all day ordeal due to citibank fraudulently withdrawing more then I authorized!

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