BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
To Whom it May Concern, My complaint has to do with Citi Cards Visa Costco membership Visa card. 
My card was denied this last Saturday ( XX/XX/2019 ) when I went to make a purchase at Costco. I called and the automated attendant indicated my account was past due. I called this morning and payed the amount due over the phone using my routing and account numbers. Then I asked to speak with a person to find out how this happened. 

The person indicated that I missed two payments. They then told me I was enrolled in paperless statements back in XXXX, which I would have never done because I have a bookkeeper that pays my bills and I like to give them the paper statements. When I asked why I didnt receive by paperless bill, they said I didnt enter an email address. Then I asked why they didnt contact me when they had no where to send my bill and they said that regardless if I get a statement or not, it is my responsibility to send a payment. Why would someone enroll in paperless billing and not enter an email address?!!! They said its all automated. Whatever that means. 

Then I asked if they reported this to the credit reporting agencies and they said they did. This is the issue! I take good care to keep my credit rating high, so I asked if they could retract the notification to the credit agencies and they said they couldnt and I would have to contact all the reporting agencies and appeal it myself. I pay my credit cards in full every month and Citi knows this as I have never missed a payment or carried a balance. 

There is push right now to make everyone go paperless. Im older and I dont want to go paperless. This has happened with another one of my accounts as well ( a car lease ). I believe there is a push by all companies to not send out bills anymore. I believe a somewhat deceptive practice is going on when you log on to their websites that forces you into paperless unless you opt out, rather than a deliberate opting in. When the mistake is theirs, or at least substantially on their end, I find it onerous on the part of the customer to have to track down all the reporting agencies, then make an appeal, that in the end may be denied. If the companies can report a missed payment, but the mistake is on their end, why cant they retract the credit reporting company notifications. 

Ultimately, I would like Citi to retract their credit reporting agency notification that I dont pay my bills on time. Please advise. 

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 2017-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I recently ran my credit report through  XXXX  and found multiple accounts being opened since    2015. Th e details to each account is highlighted on the attached file.     Please advise,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: DISCOVER BANK
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
have a lot of unauthorized charges.  Discover Card is  determined to charge me for these things I 've never heard of. There is no " documentation '' that can possibly exist that I made these charges because I did n't. I 've never been to any of these places. I did n't buy anything and did n't receive anything.        XX/XX/17      XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  NM {$54.00}  XX/XX/17      XXXX   XXXX   TX {$38.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX  NV {$41.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  NM {$54.00}  XX/XX/17     XXXX   XXXX   XXXX  AZ {$57.00} I figure my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
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:
This company is fraudulently reporting a late payment on my credit report. This company offered me XXXX XXXX which I accepted for a period of 3 months. At the end of the forbearance period I voluntarily resumed making normal monthly payments and then shortly after paid back the 3 months due for the forbearance period. This company has ruined my credit and refuses to acknowledge their mistake. They claim that I needed to physically sign documents to get off the forbearance program even though they allowed me to enroll without physically signing anything and just enrolling online. I have supporting documentation from my bank indicating the constant monthly payments to this vendor. I need them to remove this false late payment claim off of my credit report. I contacted them several times to remove the false late payment and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX I applied for a credit card with American Express because of their promotion stating that if I purchase {$1000.00} during the first three months, I would receive a bonus of {$150.00}. When I received the card onXX/XX/XXXX, it did not mention anything about the {$150.00} bonus so I called the Company to make sure I was eligible for the bonus before I activated the card. The lady had to check and came back on the line saying I definitely was eligible. Then that same day, I activated the card and did purchase over {$1000.00} during the 3 month period. To date I have not received the {$150.00} bonus and I have called them on XX/XX/XXXX, andXX/XX/XXXX asking why the bonus was not forth coming. They tell me I had an account back in XX/XX/XXXX which was cancelled in XX/XX/XXXX and that makes me ineligible. It is not fair that I double checked before activating the card plus they accepted my application applying for the card which was promoted with the {$150.00} bonus. I spent over {$1000.00} which I could have used other credit cards with even better bonuses. They should not have accepted my application if I was not eligible as per their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On Thursday, XX/XX/2023 I went to make a deposit at Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, GA XXXX at XXXX. I used my ATM card and input my pin. I selected deposit cash into my savings account. The deposit door opened, and I put my cash in. It was in cash, 2 - XXXX dollar bills, XXXX XXXX dollar bills and XXXX XXXX dollar bills. A total of XXXX dollars. After that, the system went out. It didnt give me a confirmation. I then went and parked my car and went into the bank. The young lady told me she couldnt do anything about it and for me to call the XXXX number on the back of the ATM card. 

After calling and telling the representative what happened, she completed a claim for me and denied the claim. Please let me know what else I can do about the matter. 

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 monetary relief
Consumer complaint received 2021-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So on XX/XX/2021 XXXX XXXX transferred {$5000.00} out of my checking account would think of America it was an ACH transfer they said it would take 45 days it's been 45 days all I've been given his story after story that they've lost my claim that they found it that it's pending and I still have not received the funds back into my account I'm not received any letters there's been complaints on my account I'm not received any response to any complaints that the representatives have madeit just seems like they don't want to reimburse me my {$5000.00} and I am getting no help at all.

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 2017-06-12
Company: EQUIFAX, INC.
State: WV
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:
XXXX   XXXX   XXXX   has harassed me at work stalked me and tried to sue me twice they also told people at my place of work that I wont pay my bills and follow me to car shows and tell people at car shows I owed them money and would n't pay it, for 2 loans that were signed over to someone else back in  XXXX . I bought a car off of a guy with a personal loan and took out a second personal loan for tires for the car. theses were  XXXX  and  XXXX  in  XXXX  I put the car up for sale the gentlemen that I bought it from wanted it back so we agreed he would take over the  2  loans he could have it back. we went to the bank the loan  officer  had us both sign paper work. They gave him a payment book in his name and it was suppose to be out of my name at that point. well he stopped payment on them and     XXXX   XXXX   tried to sue me bank in  XXXX  and lost the law suit. so I thought this was all done and over with. I checked my credit in  XXXX  they were still ruin my credit saying I owed for this loan I  XXXX  they try to sue me again and drop the case after I counter sue for {$5000.00} and court fees. I talked to the branch manager of  XXXX  WV and she told me we can see in the notes where this took place and  XXXX   XXXX  was suppose to be reliable for theses account but we cant find his paper work and we fired the women that done the loan transfer and the gentlemen that harassed and stalked you. they have damaged my credit big time!! because they lost the paper work on this guy is not my problem the loans were signed over to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In correspondence dated  XXXX  -2017 I mail ed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 2021-11-17
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my new house on XX/XX/XXXX with a first payment due on XX/XX/XXXX. 

I made the first payment to my original mortgage company, XXXXXXXX XXXX, on XX/XX/XXXX, 7 days early. The mortgage was then sold to Chase Bank effective XX/XX/XXXX. I immediately set up autopay with Chase for the future payments after seeing it attach to my existing Chase account.

Chase did not have the information about my first payment, and I received a statement saying that the payment was overdue. I spent an hour or two trying to reach a customer service agent who informed me that this happens when mortgages get transferred, and that it was likely nothing to worry about. He suggested calling the original company to verify that they had the payment and would be submitting it to Chase. I spent another hour confirming it.

The collection calls from Chase started the next day. After waiting on hold to talk to an agent, and then a supervisor, they just want me to disregard their phone calls saying my mortgage is overdue. XXXX XXXX, a supervisor for the collections desk, tells me that these collection calls are part of standard policy, even in my circumstance. I'm 100 % certain those calls and the notice they sent will be used as evidence if they try to foreclose - how can I possibly " disregard '' them? 

I have paid my mortgage, and they're harrassing me for a payment. I had nothing to do with them buying the loan from the original company. I had no say in whether the information transferred correctly. They've made it clear that they KNOW that this happens in error. Knowingly calling to collect a debt that is not owed, particularly when my home is at stake, is harassment at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I received a letter from CFPB on  XXXX   XXXX ,    2015 because I may h ave been eligible to receive a payment of at least {$300.00} from a legal settlement with Ally Financial Inc .     On  XXXX   XXXX ,    2015  I submitted the required signed Ally customer participation form and emailed a copy to  XXXX  XXXX  XXXX  and mailed the original form to  XXXX .  XXXX   XXXX ,  XXXX , PA  XXXX .     However I never received any follow-up letter nor payment from Ally Financial Inc .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My legal name is XXXX XXXX, I currently reside in XXXX, Georgia. I am demanding that XXXX  remove the fraudulent, inaccurate accounts listed below from my credit file. The credit agency " XXXX '' faced a global security breach, resulting in millions of consumers personal information exposed, my name, birthdate, social, and address were exposed in this breach. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area to file suit against your company for reporting this fraudulent information. It has been 30 full business days since I've contacted Jefferson Capital Systems to provide me with the legal documentation as to how any of these accounts were opened in my name, however I have yet to receive any information obtaining these accounts that were placed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions Inc.
State: TN
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 have been disputing these accounts for a while with no success, I did not open these accounts and did not receive any mo-notary gains nor services. 

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 explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Fedloan Help
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FedLoan Help : Nonprofit Organization is a scam, do not give these awful human beings your information. This 3rd party company mislead me to believe that they were affiliated with my student loan agency and the Department of Education. They informed me that I would be entering into the Public Service Loan Forgiveness program, Income Based Repayment Plan, and loan co nsolidation. They charged me {$150.00} a month leading me to believe I was paying off my student loans. Once I found out the payments were not going to my student loans, I tried to reach out to the FedLoan Help for clarification, they refused to answer the phone and never returned my phone calls. Shame on you FedLoan Help you guys are frauds!

Company response to consumer: Untimely response
Consumer complaint received 2021-11-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
This company is reporting inquiries on my consumer report that I did not 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 non-monetary relief
Consumer complaint received 2018-03-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After my loan was transferred from XXXX XXXX XXXX to Rushmore Loan Management, they would not accept any payments onto my account. I was advised to fill out a loan modification packet which I did and was denied. A denial letter was mailed to me where it indicated the reason why I did not qualify for a loan modification. The income they calculated was incorrect as well as the additional identifying facts they stated were also false and incorrect. I appealed the denial letter and Rushmore Loan Management refused to respond to my appeal and failed to address the errors at hand. Also they never sent me a notice allowing me an opportunity to reinstate the past due amount. There letter stated that I was not eligible for a modification because I failed to send proof of the good faith payment however, they never offered me any good faith payment or discussed any amount to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: OUT TECH, INC.
State: PA
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 recently reached out to this creditor with concern that the alleged debt was incorrect/ not mine. They have not responded within the 30 day period that is allotted by the Fair Credit Reporting Act with sufficient proof such as a signed application or a signed agreement proving that i am responsible for the alleged debt. As outlined within Section 623 of the Fair Credit Reporting Act, the duty of the furnisher is to promptly modify or delete the information, or block its reporting. Please remove the account Not only is the account inaccurate, the alleged debt is listed more than once, violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
sent in a few disputes on the XXXX of XXXX and have yet to receive any resolution from Equifax and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Bread Financial Holdings, Inc.
State: NJ
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:
Since XX/XX/2002 I have been attempting to get a payment made to my XXXX XXXX XXXX card with Cometity Bank. Because of a missed payment ( my fault ) there phone payment, web site, easy payment and payment center send me to or tell me to use the phone in. NO ONE ANSWERS THE PHONE. HAVE SPENT HOURS OVER THE LAST WEEKS TRYING TO GET THROUGH. No one answers phone XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can't even get in to close the account. Good luck getting a hold of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation