BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Today, on XX/XX/2020, I received an alert from XXXX that Best Buy Citicard reported  late payments. I closed my account on XX/XX/XXXX and at the time, I was not aware of any pending payments. My account is on autopay, so I didn't think twice about it. My last statement from the bank was on XX/XX/XXXX, so I didn't realize there was pending payments. The bank never sent me statements after closing the account and I was current with all my payments at the time of closing. I called the bank and rep could not tell me what was the pending charges. Kept insisting if I make the payments on the phone, she will waive last month 's fee. But I wanted to know what the charge was for as I didn't know there were pending payments and she kept saying it's for late payments. 

Initially I was unable to log in to my account as I could not log into my account. So I really needed the rep to help me with that. Finally I was able to access my account after finding my credit card still in my drawer and reset password. If I had received statements as it was sent regularly or if the bank had used autopay option set on my account, I would not have incurred lat payment. I am looking to refinance and it's really important that I don't have any new negative remarks especially when I have tried to keep up with all payments.

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 2016-04-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've have disputed this a few times and have provided Equifax supporting documents to clear this from my credit report. I 've attached my 2009 tax return regarding this tax lien that was file against me. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax has reinserted previous unverifiable negative accounts on my file. I have send dispute letters showing negative accounts that have re-aged history, recent payments, schedule payments on accounts that have been close or sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called XXXX  in order to complete an order for a flight visa, however, I was scammed for {$7900.00}. I gave the company my debit card number with the intension to purchase a travel visa for {$250.00} however, this company was able to hack into my bank account and XXXX themselves for over {$7900.00}. I reported this issue to the bank and they did not recognize it as fraud and will not proceed to any further measures to obtain my funds back. This person with this company hacked into my bank account and made unauthorized transactions. Chase bank has been no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I need you do something this company is stolen my money I resquest to them a file a dispute against a company and they just transfer me over and over without result after days trying to do this ; a agent with really bad attitude answered the call and place the issues on top of that after contact them, I call a month after and they just transfer again my calls and they just said I have to wait!!! this is incredible I 'm still waiting without results and this company just stole money from people

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 2017-03-15
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a loan that was transferred to Wells Fargo and went through foreclosure and was caught up but since nobody knew who owned the note. It had to foreclose since the title was cloudy. It was fraud by the bank on every level. All the documents were Robo-signed and are all made up. It got dismissed in court twice and it is still being reported on my credit inaccurately. Everything is said and done and nothing is accurate 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 explanation
Consumer complaint received 2015-07-10
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My daughter applied for a auto loan and was pre approved for XXXX, to purchase a car. However Navy FCU asked her for her documents for employment verification. She provided the documentation, and her offer letter that she received from XXXX XXXX in the offer letter is stated you will be hired, contingent on your drug test and background check ). Well she passed XXXX and is working XXXX. She provided all of the documents they required XXXX bank statement, pay stub, offer letter etc ). 

The lady she spoke with at Navy FCU, stated they needed a COPY OF HER DRUG TEST RESULTS ON XXXX LETTER HEAD STATING SHE PASSED THE DRUG TEST AND SHE WAS HIRED. My daughter was so upset. She told them to close her account. My question is, is she working for Navy FCU OR is she applying for an auto loan!!!! Is this standard practice or do they only ask minorities for this information or people under XXXX this question, what does the drug test results have to do with a auto loan. This is not the end of this. I am going to get to the bottom of their customer service practices and this clearly should be investigated.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: BANKMOBILE TECHNOLOGIES, INC
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There is an ongoing issue regarding inability to transfer funds from external account linked to XXXX XXXX account number XXXX, issued by XXXX XXXX XXXX The external account ends in XXXX, a XXXX account. I received a secure message stating the issue is resolved, however, that does not appear to be the case, attempts were made to transfer funds and same error message received, " unable to transfer funds at this time ''. I've spoke with reps in executive escalations prior, issue remains unresolved.. There appears to be a block or restriction preventing external transfers.

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 2016-10-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Other

Complaint:
PAYMENT ALLOCATION VIOLATION : I spoke with XXXX USAA representatives yesterday and sent them a message about my credit card payments not being applied in accordance with USAA 's credit card agreement nor by the Credit Card Act of 2009 which requires payments above the minimum payment to be applied to the balance with the highest interest rate/APR until the payment/balance is exhausted. I got XXXX separate answers from the representatives, XXXX in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnionXXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} o XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX Date XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} o XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} o XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$810.00} o XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Date XXXX o XXXX XXXX A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} TRANSUNION : o XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} o XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} o XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to XXXX to request my free annual 12 month credit reports but each company turned me down and had different information and reasons why I needed to fill out forms and answer different questions to information that they asked and most of this information was incorrect. So therefore they requested I apply/request for my free credit reports by mail and provide the information and proof of Identity and addresses and other information that they requested and answer some questions they had before I sent in the forms and proof of information they require. I also am on XXXX thru Social Security and received a letter on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX about my company that I am with for my Medicare part XXXX ( XXXX ) sent a letter stating that on XXXX XXXX, XXXX this company newkirk is a service provider that issues heathcare id cards for my ( prescription drug plan part XXXX ) thru XXXX XXXX XXXX, had a cyber security incident that my have affected my personal information. I am also going to include a copy of this letter to all XXXX credit bureaus and if needed can send you a copy also. But I also had identity theft that filed XX/XX/XXXX. I had put a security freeze on my accounts also back then, I do not know where or what my XXXX digit numbers they assigned me back then are anymore as I had requested these be removed awhile ago. 
Please let me know there is anything further you need from me. I can be reached via email at XXXXXXXXXXXX or text/phone at XXXX. I also have signed up thru myscore and transunion which came back as XXXX an they also states that they will monitor and safeguard my credit reports and I signed up for this on XXXX/XXXX/XXXX. I also will be contacting XXXX company to enroll in the protection services they are providing which are as follows : Allclear Identity Repair and Allclear Identity Theft Monitoring. And providing them with any disputes and information that is in accurate once I receive my credit reports from all three credit agencies. I appreciate your time and efforts in supplying me with any help in this matter. Also if there is anything further needed from me please do not hesitate to contact me. You can also send any information you find in writing or paper form to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, Minnesota XXXX Sincerely, XXXX XXXX XXXX Thanks so much Also my control number thru the office and management and budget is XXXX XXXX this is the control number assigned

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the thirty day mark and has not and will not verify these accounts, under section 611 ( 5 ) ( a ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter in a timely manner for it has cause me a great deal of pain. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I checked my Citizens Bank checking account via both app and website on XX/XX/2021. The current balance at the top of the app/screen showed {$670.00} but the total of running transactions within the transaction part of the app and website state it should be {$810.00}. Looking at the transactions from the past day, the account was overdrawn multiple times due to the bank 's posting order of highest to lowest. While overdraft fees are allowed when disclosed, they should show up on the app/site clearly and immediately when done by the banking institution. When reviewing their posting order guide, overdraft fees should post second after deposits. However, the fees are not present on my account at all, and are definitely not present between deposits and other types of transactions. There is no way of seeing these fees, money has simply been taken out of the account. This is predatory and confusing, especially if it were to happen to someone who didn't think to check why their money was lower than expected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello, I have XXXX accounts and XXXX public record item appear on my credit. I brought the errors to the attention of the Equifax personnel. I received an updated credit report from them ( Equifax ) advising me that XXXX of the accounts had been deleted from my file according to my credit report dated XX/XX/2017 Confirmation Number XXXX, however i pulled a recent copy from their site and it states otherwise ... .. the accounts say they are in dispute. 

I am requesting that Equifax clear the errors and remove the false and inaccurate information from their database once the information is verified and removed from my credit it will not be re inserted. 

XXXX Account Number XXXX XXXX Credit Account Number XXXX US Bankruptcy Case or ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is 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 2020-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I made a credit card payment to Bank of America for the balance of my statement. On XX/XX/XXXX Bank of America charged a duplicate payment against my account. The total of the payments was almost XXXX}. Bringing it over the XXXX dollar balance of the account I call immediately and requested a refund of the duplicate payment I was told it would take up to 7 days. 

I received no refund. I called back after 10 days and was informed it would be escalated and that I would receive my funds within 48 hours. I called back 4 days later and had received nothing. I was told they could reescalate but it would take up to 7 days. At this point Bank of America has held an interest free loan from me for 18 days and shows no inclination to return my payment. I immediately closed my account but have no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi, I contacted you in XXXX about my student loans and now it seems like since I contacted you, my student loans balance has gone down somewhat, which further lets me know AES has been taking my money for over 10 years and not applying my payments to my loans. My name is XXXX and I consolidated my student loans with XXXX XXXX in XXXX and it appears my loan was sold to XXXX XXXX XXXX who changed their name to American Education Services. This company has had many complaints over the years and they are continuously taking advantage of customers. I cant even target my payments to specific loans. My original loan amounts are as follows : 1. Beginning balance XXXX} ( sub ) Current balance XXXX  2. Beginning balance {$1900.00} ( unsub ) Current balance $ XXXX} 3. Beginning balance {$XXXX ( sub ) Current balance {$12000.00} 4. Beginning balance {$14000.00} ( unsub ) Current balance {$11000.00} Totol due as of XX/XX/XXXX {$27000.00} I have been making payments towards my student loans since XX/XX/XXXX, over 10 years and I still owe {$27000.00}?? Something is wrong!!! Since XXXX, my payments were between $ XXXX {$200.00} and as of XXXX, my payments are {$380.00} a month. 
I have contacted AES on several occasions to have them explain to me why I still owe them so much money. Unfortunately, their response doesnt justify the money I have already paid over the years and the remaining balance. I have been trying to research who I can speak with to have my consolidated student loan researched for accuracy and not doctored up documents. 
Would you be able to assist me? 
Here is the contact information I have for AES : American Education Services XXXX. XXXX XXXX XXXX, PA XXXX XXXX American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account has countless errors reported lost XXXX paid off they are reporting XXXX activity not valid and agreed to remove account. The account has been been removed over XXXX times from XXXX and keeps being readded each time it is readded I lose a major Tradeline now counting XXXX total for an account secured with my own money with perfect history for over XXXX years and under {$XXXX}?? 

They have now cost me over {$XXXX} this needs to be removed immediately

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 2020-04-09
Company: Experian Information Solutions Inc.
State: GA
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:
Multiple missed payments were reported for my XXXX account across all XXXX of my student loans while I was in forbearance. Ive asked XXXX to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.

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 2021-11-23
Company: EQUIFAX, INC.
State: TX
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation