BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-18
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Citi opened an account XXXX/XXXX/16 using my name, but it was n't me. XXXX alerted me. Citi says to correct the problem, I have to go to a bank branch, but I live in XXXX, and there is no Citi branch in XXXX, XXXX, or XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I had a Fred Meyer Jewelers Platinum Preferred credit card and my balance due for my XXXX 2014 statement was {$48.00}. The minimum payment due was {$25.00} by XXXX XXXX, 2014. I made an on-line bill payment by mail through my checking account on XXXX XXXX, 2014, the {$25.00} was posted to my account on XXXX XXXX, 2014 with Fred Meyer Jewelers, which was not a late payment. I had forgotten that I had made this payment by through my bank, and called the customer service line on XXXX XXXX, 2014, and had made an additional payment " by phone '' of {$25.00}, which was posted to my Fred Meyer Jewelers account on XXXX XXXX, 2014. I realized my mistake, on or about, XXXX XXXX, 2014, and called customer service to ask them to reverse my last {$25.00} payment " made by phone '', and would pay them the {$23.00} amount due, since I actually overpaid my balance. They did cancel the phone payment of {$25.00}. I received the XXXX 2014 statement from Fred Meyer Jewelers which showed that I was charged an NSF check charge assessment. I called the Account Services Department, and asked them why I was charged the NSF check fee when they had already received a check from me in the amount of {$25.00}, which was the minimum amount due the last statement, and that the phone payment I made on XXXX XXXX, was not a check, and that I had been in good standing throughout my entire period of activity with them, and asked that they reverse the erroneous NSF check fee charged. The said they would not reverse the charge. I then contacted them by mail at : Department of Accounts, XXXX, NJ, XXXX, to request that they reverse the erroneous NSF check charge, since the phone payment I made would have been an over-payment since I only owed {$23.00}. They said they would not reverse the charge and that anytime a customer asks to reverse a charge, that they are automatically charged an NSF check fee charge. I received a letter from Fred Meyer Jewelers dated XXXX XXXX, 2014, which stated I needed to make a payment for the alleged " return check '' within five business days to avoid additional charges to my account -- I received this letter on XXXX XXXX, 2014, and I paid my remaining balance of {$23.00} which was posted to my checking account on XXXX XXXX, 2014. This bill pay through my bank was expected to arrive to Fred Meyer Jewelers by XXXX XXXX, 2014, which was within five business days. However, Fred Meyer Jewelers assessed a late fee in my XXXX 2014 statement, and also the XXXX 2014 statement, and the XXXX 2014 statement they assessed a fee ( which is not stated on the statement what kind of fee it was ) of {$35.00}. I do not believe a credit card company should have the ability to assess fees although the account is paid in full, and there were no late payments, nor were there any checks returned by my bank to me as " NSF '' checks, as Fred Meyer Jewelers has alleged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX Bank account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX Funding account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i did send three notices to this corporation trying to provide remedy and did ask how i am to pay since federal reserve notes are not considered payment and are only debt notes ; this corporation has added negative statements to the credit report ; this corporation can not provide the original promissory note nor did this corporation fully disclose what the use of the promissory note was and did sell the original and did not include the beneficiary of the Estate in doing so ; attached you will find correspondences i did send to the company

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 2022-07-24
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Its been about 3-5 years ago someone stole my purse and use my ID, SSC and I had to file for identity theft. So now I have a code behind my driving license / SSCard so no one can use it but me. Navy Federal Credit Union blame me for opening up an account that I didnt open, I have sent them police report and information stating that it wasnt me but they still want me to pay for something I didnt do. 

Say Ive spoken to them on numerous occasions in the past 3 years but theyve refused to thoroughly investigate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Stearns Ventures, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello Our mortgage company raided our escrow payment by {$300.00} and we are now unable to make our payment. Our taxes and escrow have not increased since closing and our insurance increased by about XXXX. We habe not heard anything regarding our request in the last 30 days. When we call we are told that it is still in review.

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 2020-06-17
Company: Experian Information Solutions Inc.
State: GA
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:
For more than two years, I have submitted documentation several times to XXXX with information that substantially proves The XXXX  XXXX, in fact, did not close my loan, it was not included in my chapter XXXX and that I am still paying on this loan that began in XXXX of 2016. 

I was involved in Chapter XXXX, I am not a lawyer, my lawyer advised me that a reaffirmation was not needed, even though she used one for my home water softener and filtration system. ( see enclosed ) Since Chapter XXXX, XXXX XXXX XXXX stop reporting my payments and I am not getting the benefit of ownership. My credit score is really bad considering I have not failed to pay monthly. 

The credit reports reflect that the loan is closed and was part of Chapter XXXX. I find this erroneous because the account number is the same since payment one, the same on the credit report, the same on monthly payments, escrow, Tax, and Interest statements, all communication sent by XXXX  XXXX XXXX. 

I am not a lawyer, she did not file one, however, this loan is not closed, every month payment is made. How does this company get to take my money, not report and I get no credit for owning a home, and my credit does not improve? 

The reaffirmation is an excuse not to report, in my loan modification I signed a promissory note to The XXXX XXXX to pay $ XXXX for the next thirty years and a second note for a balloon payment at the end of that for another XXXX and if all fails on my part they are guaranteed to get the house ; which is why I fail to see why it is necessary for this kind of retribution.

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 2022-07-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a Citi Premier card and was supposed to receive a bonus of XXXX points. the bonus terms stated that I would not be eligible if i had opened or closed a Thank You points account in the past 2 years. I had not opened or closed any accounts, in fact I have 2 open with them apart from the one in question. I called several times and was told the issue would be investigated, and it never was. One of the issues in identifying the problem was also that I needed to change my credit card number at one point due to having lost my cards, which made the process more confusing to the representatives. Finally I spoke to a lady who seemed very knowledgeable on the issue, and she told me she believed the issue was due to me having downgraded a card to a no annual fee card. We both agreed that a product change was not a opening or closing of an account, and that the bonus should have triggered. She said she would forward the issue to a department and have it investigated. It's been several months, and the bonus was never put onto my account.

Furthermore, I also requested a new card be sent to one of my authorized users who was stuck in XXXX. I was told multiple times on multiple phone calls that the card would be sent. I gave the representatives the address in XXXX multiple times, and every time, the cards would be sent to my house, many many days later, instead of where I needed them to go.

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 2020-06-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$9000.00} XXXX XXXX {$8400.00} XXXX XXXX {$53.00} XXXX   XXXX {$80.00} XXXX  XXXX {$4500.00} XXXX XXXX {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a saftey deposit box at a TD bank in XXXX, SC XXXX XXXX XXXX XXXX XXXX and they were flooded out. My box was flooded and it took them weeks to set up a day for us to come by and inventory the box. They are saying the items possibly have ecoli and they have to be tested before they give them back after disinfecting them. The items in the inventory were described in such a way if anything happened to the items we would never be able to recover the amount or the item in which it was worth. Yellow bracelet with stones? They said they could not identify if it was worth XXXX or XXXX. A yellow bracelet can be bought XXXX for {$5.00}. They have tested the items and are now saying the items are positive for ecoli. We have not received any paperwork saying such, just as they said the water in the bank tested for ecoli. They went ahead and opened the inventoried bags and recleaned them without our presence. Have called the regional manager and they will not give me any phone numbers for anyone higher than them. What?? Also ca n't find Corperate phone numbers on the internet. We want our items back and we will sign whatever stating that we are responsible for whatever, ecoli ect. Do n't know who to contact from here?? We have contacted our attorney and will file a claims and delivery XXXX I believe. Attorney is working the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX Bank account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.

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 2021-04-20
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I ordered a free coin from XXXX. The fine print of that order indicated I would be purchasing a second coin for XXXX. When they told me I now owed this money I told them I didn't want the item, they sent me packaging to return it and I mailed it back to them. I never heard from them again until this year when nationalrecovery.com debt collection agency claims I owe XXXX  XXXX  XXXX. I have reached out to the XXXX XXXX via email multiple times and they will not respond to me at all. I am XXXX XXXX XXXX and believe they are trying to take advantage of me because I ordered this on the phone and I don't know what to do.

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 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( XXXX XXXX/Experian/Equifax ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the name as listed on the account did not match my name spelling or other identity indicators others could not provide me with any information about the alleged application because their firms DID NOT retain the information on this inquiry.

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a customer Reporting agency cannfurnish a account without my written instructions.

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 2021-12-16
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2021 I issued a payment to Golden Sachs to reduce my account balance by {$420.00}. The balance went down immediately by {$420.00}. I called in shortly and requested Golden Sach to cancel my payment. The payment was successfully cancelled and the funds were returned to my personal banking account. My balance went back up by {$420.00} on my Golden Sachs account. A couple days later my balance shows an adjustment balance reversal for {$420.00} on my Golden Sachs account. This brought my total balance up by {$840.00} instead of {$420.00}. 

On XX/XX/XXXX I made another payment for {$100.00}. I called in to cancel the payment and the same thing occurred that week where my balance increased by {$210.00}. 

I called multiple times to representatives and supervisors who did not know how to resolve my issue. They attempted to redirect me in a different direction. Out of 5 people I spoke with, only one rep understood the issue when reviewing my statements. Their supervisors did not nor helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: MA
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:
Since XXXX I was reviewing my credit report and a bank that I had opened in the past closed AND CHARGED OFF for an overdraft amount that is different from the balance that the XXXX XXXX is reporting to the Credit Bureau. This was a checking and savings account and there was NEVER A LOAN THERE WAS NEVER AN ACTIVE TRADELINE ON THIS ACCOUNT. and for years it continues to report a balance and CO when in fact this was a checking account. 

On XX/XX/22 I sent letters requesting a proper and fair investigation XX/XX/22 XX/XX/22 The account is CLOSED this means the account has not been properly verified. I provided proof and also followed up requesting that they look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We received a letter from Wells Fargo stating that they are holding an inactive account in our name in the amount of {$30000.00}. New York unclaimed property law requires us to transfer the money from this account to the state comptroller ( known as escheatment ) if the account has been inactive for 3 years. According to Wells Fargo 's records the last customer initiated activity on the account was XX/XX/2016. We never opened this account and we have called Wells Fargo and no one knows anything about this letter. An email was sent to Wells Fargo phishing email and we have not had a response. We believe we were victims of the Wells Fargo scam where accounts were opened for people without their knowledge or consent.

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 2015-05-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I agreed to accept a credit card from my employer Wells Fargo a year ago at 0 % apr. No interest was charged at that time. I had XXXX credit at time of application, so was not a credit risk at all. It was not clearly disclosed that the 0 % apr was introductory and the actual interest was 21.15 %. I only discovered this when I ran up a balance of {$9500.00} and discovered my monthly payment would not cover the $ 170+ monthly interest payment. I called several times and wrote a letter to ask help with the interest rate showing that I could never pay this card off at the predatory rate they had given me. I was refused any kind of forbearance or help of any kind. I paid off the account recently by mortgaging my car. I believe that the failure to CLEARLY disclose the exorbitant interest rate and that the 0 % was introductory was predatory lending.

Company response to consumer: Closed with explanation