BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-17
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card
Issue: Rewards

Complaint:
Barclay closed my Barclay XXXX MasterCard account XX/XX/XXXX, and sent a letter indicating the following : " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' This sudden closure of my account came as a surprise to me and I am very upset as I had XXXX Barclay Arrival points ( worth approximately {$2900.00} in travel expenses ) in this account that I can no longer access because the account is now closed. It is truly disheartening to have worked so hard to earn those points, only to lose them in such a shocking and abrupt manner. I have been a Barclay 's credit card customer XX/XX/XXXX, and I am disappointed with the manner in which they have closed my account. My expectation is that Barclay should have at least notified me about what I had been doing that was unsatisfactory, so that I could have taken the necessary actions to avoid being closed. Instead they closed my account without any warning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26
Company: Seattle Service Bureau, Inc
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have XXXX XXXX ASSISTANCE PLAN CODE XXXX. 
So I dispute this Debit : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we got corrected bills due to a property tax exemption. We immediately sent the corrected bills to the loan servicer, Mr. Cooper. In XXXX when property taxes came due they paid the old amounts. We contacted them as soon as the payment came out stating that they paid the incorrect amounts. We contacted our local tax offices and they stated that a refund had been sent on XX/XX/2022. For the city tax {$53.00} was refunded to our servicer and for the XXXX XXXX XXXX tax a refund {$310.00} was refunded. According to Mr. Cooper no refund was ever sent for those accounts. We have contacted them multiple times and submitted 3 cases with all of the documents provided to us. We are just wanting the money refunded to our escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/2022, I received at statement from Capital One for my XXXX credit card with a balance of {$740.00} and a due date of XX/XX/2022. 

It is my custom to pay the card balance in full each month so that I avoid interest charges. On XX/XX/2022, prior to XXXX, I attempted to make the payment but could not because the Capital One app was malfunctioning. I was eventually able to make the payment of {$740.00} ( my full balance ) but not until after XXXX. I called and spoke with XXXX around XXXX who informed me that because I called and made them aware of the situation with the app that I would not be charged and that if I was charged I could call back they would remove the charges. 

On XX/XX/2022, I received a statement from Capital One which included an interest charge of {$49.00} and a late fee of {$25.00}. This is despite me having paid my entire balance of {$740.00} on the due date. I called Capital One and requested that the interest and fees be removed as I was instructed and was told that I did not " qualify for a waiver ''. I then spoke with supervisor XXXX who told me that she would not be waiving the fees. I feel that it is unfair and deceptive on the part of Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: Aldous & Associates, PLLC
State: FL
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:
ALDOUS is violating my federal rights in multiple ways I sent a Cease-and-Desist Letter to them dated XX/XX/2023 and gave the clear written instructions to remove the alleged account # XXXX from my consumer report within 4 business days of receiving the communication. However, ALDOUS is referring to the correspondent an a " dispute '' instead of Official " Cease and Desist '' where they are failing to stop communicating with indirectly through my consumer report. when a consumer sends a cease and desist ALL communications must cease and if there are ANY instructions from the consumer it must be followed. The ONLY communication that ALDOUS should have with me should be to provide written proof that written ALL my instructions were completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Earlier this afternoon I went to the Citizens Bank at XXXX XXXX XXXX in XXXX, MA. The bank manager, person serving me, was unprofessional. I went in to get a money order/check and make a withdrawal. I provided my ID since I was asked for my debit but did not have my debit card. She asked me where my debit card was and I responded not with me at the moment hence why I provided my ID to which she responded asking me where my card was and if it was lost. Then she proceeded to take several minutes looking over my account which wasnt needed since all I asked was for a withdrawal and a money order and questioned another worker there if anything else was needed to which the worker indicated that there wasnt. She made it seem like I was doing something criminal and I provided her everything she needed. This was the only time I ever visited this particular Citizens Bank and her behavior was disgusting and unprofessional and seeing as she was an actual bank manager, absolutely unacceptable. I have worked at a bank previously and this was beyond horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
To I, XXXX XXXX XXXX, asking you to step into the issue I met during working with XXXXXXXX XXXX and Bank of America. 
I was going to purchase a vehicle from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX XXXX, phone XXXX and did initial a wire transfer of {$20000.00} ( XXXX XXXX XXXX Dollars ) from XXXX branch of the XXXXXXXX XXXX XXXXn XXXX, XXXX on XX/XX/2022 ( check document attached ). Wire transfer reference number is XXXX Since that date the XXXXXXXX XXXX XXXXXXXX never received the money and I never got them back also. {$20000.00} just disappeared. We did initial investigation from both sides. XXXX XXXX XXXX representative was talking to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank of America New York ( bank-correspondent ) but everyone said they dont have my money. My XXXXXXXX XXXX put tracing on the wire, and it clearly shows that XXXX XXXX XXXXXXXX has my money ( check document attached ), but they dont follow my requests though XXXX XXXX I fill like my money are stolen and no one wants to give them back toy me. XXXXXXXX XXXX and Bank of America representatives dont want to talk to me because I am not their customer. They dont really want to talk to XXXXXXXX XXXX representative also, because XXXX XXXX is not a sender. The same time XXXX and Bank of America totally ignoring my requests from XXXX XXXX  This is a nonsense. I need your help please to get my {$20000.00} back. 
Thank you. 
XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Phone : XXXX XXXX XXXX address : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Phone 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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Other problem getting your report or credit score

Complaint:
Any time I try to pull my credit on any websites it is unable to verify me. I know for a fact that I have credit history but any time I try to run a report online or in person it is unable to verify my information. The auto dealer shows that I have no credit history. I know for a fact I have credit history as I have paid an auto loan for 6 years and had a credit card in my name for 8-10 years. I have tried reaching out to my bank ( XXXX ), experian, XXXX, and TransUnion and nobody has been able to help me. My bank told me that my address might be flagged for some reason. This issue is stopping me from doing things in my life.

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 2022-10-23
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I sent my firt letter XX/XX/1922 to investigate the following : XXXX XXXX XXXX XXXX XXXX  # XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also a removal of in accurate address XXXX XXXX XXXX XXXX XXXX IL, XXXX I have not received anything and they have not completed any investigation. 

I also sent another letter XX/XX/XXXX demand to comply letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During the covid pandemic on 2020 I did a forbearance with penny Mac, this due to my Family and I having a tuff financial hardship. The amount due was added to the back of the loan and spoken with the agent no credit was going to be affected. now this shows on all 3 credit bureau with different days.

attached all 3 credit bureau and closing disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: ALLY FINANCIAL INC.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Ally Financial has contacted my mother and ex husband multiple times. They may have contacted other people Im not sure but these are the two I know about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I returned my leased KIA vehicle in XX/XX/2021 in late XXXX i received excise tax bill from Kia for full XXXX year but i only had car for 1 month i explained to kia finance that if they could get the adjusted to the correct amount and they stated they would handle that with there tax department and send me adjusted bill. they never sent me adjusted bill as they received the rebate for city of XXXX excise tax department in XXXX and wrote off account of XXXX in less than 60 days of talking to kia finance. I never have been late on any payments and they clearly tried to collect on wrong amount and never sent adjusted bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: NJ
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 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 consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSWORLD SYSTEMS INC
State: MD
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:
UAS continuously reports my acct as delinquent and it is not. It had been rectified but is now impacting my credit incorrectly once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX 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 consumer reporting agency can not furnish 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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to dispute the reporting of this bankruptcy on my credit report, as there are discrepancies in the reported dates and closure of the case. I have received documentation from the court indicating that this bankruptcy should not be reported, and that the reporting is coming from an unauthorized third party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I sent in a dispute letter regarding XXXX XXXX  account it is being reported as 30 days late when I was never late and the account is closed. Also transunion does not match my other credit reporting agencies XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: OH
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 

Under Sec. 602 " I Have A Right To Privacy ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account below : XXXX BANK 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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge of this account, collection account may be related to breach of identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, Chase notified me that they made a decision to close my account without any explanation. Chase is holding over {$29000.00} in my accounts and will not release them for 10 days after my account is closed. I told Chase that I urgently needed my funds because I have bills to pay such as energy, lights, and credit card. Chase will not release even a partial payout to me to pay my bills. Checking accounts XXXX and XXXX. Chase said that a cashiers check would be issued in a few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief