BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank had a promotion for which if you deposit {$50000.00} and hold it for 60 days, they will give a bonus of {$700.00} within 90 days after the 60 days required. 
I had {$50000.00} in my account on XX/XX/2021, and I still have it there today. 
I got a letter from the bank confirming that I met all the requirements and I qualify for the bonus ; that was their case no. XXXX. 
As of today, which is already past the 90 day, which the bonus was suppose to be deposited to my account within those 90 days, it is still not there. 
I made numerous calls, went to 2 branches and opened cases for complaint.

One branch manager said she can not help me. 
Today I called again and asked to talk to a supervisor, and she opened another case no. XXXX. 
I'd like you to resolve this issue.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not aware of how this account was created or used. I never authorized the opening of this account. However, because of this account 's appearance on my credit record, my score has been decreasing.

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 2023-02-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Problem is with Citizen 's Bank Customer Care and Care Policies in Cases of Bank Error. 

Call to bank [ Citizen 's Bank ] to correct problem : XXXX XXXX ( or XXXX ) XXXX  ( Not the first time this has happened ). 

PROBLEM : I decided to use the " Bill Pay '' option at this bank, the service is called XXXX. I set this up back in early XXXX. The person who was setup to receive a Bill Pay Check did not get the check which the service said was delivered XXXX XXXX XXXX Another check was sent in early XXXX and was verified by the bank as a completed transaction. The Payee did not actually receive either check. The checks were lost in the mail. 

I called support to resolve the situation and to put Stop Payments on both checks. Currently I was able to do so for the XXXX XXXX XXXX  check. 

Support at Citizen 's Bank National Number is essentially non-existent. All of this happened to me a few years before though I forgot about that at the time. XXXX was the actual bank denying service to me on account of this conditions. 

The bank ( National Support Phone Center Number ) - Citizen 's Bank, did put the stop payment in place and charged me {$32.00}. I tried to have the charge removed explaining this was a bank error but the support rep disagreed and said that was not possible. I asked to speak with a supervisor. Instead of being transferred the tech stayed quite on the phone - tried explaining again what their policy is despite it being a bank error. Bear in mind their records indicated the checks had been successfully delivered. 

I called back after getting nowhere with this tech and the next tech treated me the same way. 

I ended up calling the branch office where I opened my checking account and the teller ( XXXX ) was able to credit my account. 

I never did get a chance to put a Stop Payment on the XXXX check. There is a dispute about whether or not I should have been charged a fee that the teller was going to look into. 

The other problem, again I asked to speak with a supervisor and was ignored is that a Stop Payment of this type shows up like a " Bad Check '' to other banks like XXXX. This NOTICE by default remains on a client 's account for 6 months during which times other banks ( like XXXX ) will refuse to be of service. 

There was no solution or policy in place for a banking error such as this complaint asserts. This is why I haven't put a stop payment on the XXXX check, both for the fee they charge and the dispute about the 6 month condition. 

S

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX Tuesday, XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice of Dispute Regarding Inaccurate Information on Consumer Reports Dear Sir/Madam, I am writing to dispute certain information contained in my consumer reports, as furnished by Equifax Information Services LLC XXXX XXXX XXXX XXXX and XXXX. I believe that the information on my reports is inaccurate and is negatively impacting my creditworthiness. This letter serves as a formal notice of dispute and a request for investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
I have enclosed copies of my consumer reports from each of the aforementioned credit reporting agencies for your reference. The inaccuracies I wish to dispute are attached addressing each CRA I hereby request that Equifax, XXXX, and XXXX conduct a thorough investigation into the disputed information. As per the FCRA, I expect a reasonable investigation to be carried out, with a response provided to me within 30 days of receipt of this letter. I kindly request that all three credit reporting agencies work together to ensure the accuracy of my consumer reports. 
Additionally, I request that Equifax, XXXX, and XXXX provide me with written notifications of the investigation results and any corrections made to my consumer reports. If any changes are made, I further request that updated and accurate consumer reports be furnished to me without delay. 
In accordance with my rights under the FCRA, I also request that Equifax, XXXX, and XXXX provide me with free copies of my consumer reports within 15 days of the completion of the investigation, if changes are made. 
Furthermore, I request that all three credit reporting agencies implement reasonable procedures to prevent the re-reporting of the disputed information in the future. 
Please note that this dispute pertains solely to the inaccurate information described above. I am not disputing any other information contained in my consumer reports at this time. 
I appreciate your attention to this matter and your adherence to the provisions of the FCRA. Please provide me with written confirmation of receipt of this notice within 10 days of receipt. I trust that Equifax, XXXX, and XXXX will handle this dispute and investigation with the utmost professionalism and resolve it in a timely manner. 
Thank you for your prompt assistance in resolving this dispute. 
Yours sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under The Law Office of XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2cd validation was sent out on this day, after reviewing my credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from XXXX Credit Bureau until adequate validation has been received proving that the account belongs to me and all information is correct. Under the Fair Credit Reporting Act 15 U.S.C 1681

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 2018-12-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a Foreclosure notice from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX RECEIVED on XX/XX/2018 according to the Fair Credit Act I am allowed at least 30 DAYS from the Date Of RECEIPT to respond and they Foreclosed on my home on XX/XX/2018 that's only 18 days. Fair Debt Collection Practices Act Notification clearly states I have 30 day after RECEIPT of the notice, to dispute the validity of the debt or any portion thereof with XXXX XXXX XXXX, XXXX, or Chase Bank. I want the XXXX XXXX XXXX, XXXX, to " Resend '' the foreclosure of my home and give me the protection I deserve under the Fair Credit Act, they violated my " legal right to fair credit ''. 

I have 60 days to dispute a charge. If you catch a billing error on my statement, I have the right to dispute the charge with your creditor, but you have to act quickly. Under the Fair Credit Billing Act, you have 60 days after the bill was mailed to you to report the incorrect charge. The " Foreclosure Bill was mailed on XXXX-18 I still have more days to respond and they have already " Forclosed '' on my home, which is a violation of my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear CFPB Team, I am writing to you in regards to the permanent limitation that was recently placed on my PayPal account XXXX. I believe that this limitation was placed on my account due to a mistake, and I would like to submit a complaint to appeal this decision. 

Firstly, I would like to state that I have not violated any PayPal policies. I have always used my PayPal account in a responsible manner and have never engaged in any fraudulent or illegal activities. Therefore, I strongly believe that the limitation placed on my account is unjustified. 

Secondly, I would like to request that PayPal re-investigates my case and reviews the information provided during the initial investigation. I believe that upon review, it will become clear that there has been a mistake in the decision to permanently limit my account. I am confident that upon further review, my account will be reinstated. 

Finally, I would like to express my sincere concern about the inconvenience caused by the limitation of my account. As a long-standing PayPal user, I have always found this platform to be reliable and user-friendly. I hope that PayPal will take into consideration the impact this decision has on my ability to conduct my financial affairs and will rectify the situation as soon as possible. 

Thank you for taking the time to consider my appeal. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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: Was not notified of investigation status or results

Complaint:
In 2017 I received a 1099-C Cancellation of Debt.

Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. 

Income is not reported on Consumer Credit Files/Reports 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2018-04-25
Company: Experian Information Solutions Inc.
State: VA
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:
I never authorized this companies to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiries : XXXX/XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX I never authorized any of these companies to obtain a copy of 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 2023-10-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$83.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I received my reinvestigation back from TransUnion and XXXX regarding this account : XXXX XXXX ACCT # : XXXX. They stated everything was 100 % completed and updated as accurate. I would like to receive the description according to 15 USC 1681 ( i ) ( 7 ). Because this account is not accurate.

There are discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment. I have included a screenshot of my most recent consumer report from XXXX comparing these inaccuracies as well as the most recent report directly from these bureaus. They did not modify or delete the information from my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

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 2019-08-28
Company: BBVA FINANCIAL CORPORATION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2019 I attempted to open an account with Simple Finance Technology in  XXXX, Oregon XXXX Simple. The account was opened very easily or so I thought. After opening I transferred $ money to the account from another account of mine. While the ACH was processing I got notification from Simple that my account was frozen pending more info. I was hesitant to furnish copies of my DL and SS card and was told that my ACH would bounce back within 1-2 days to my original account when it couldn't be received in my Simple account. That didn't happen so I furnished the info. I am still waiting for them to review the info.The review process was supposed to take 1-2 days and it's been almost 2 weeks. After 2 weeks they responded that the pictures I sent them where not in the format they wanted and that I would have to send them again. I asked what format they wanted and they said a PDF format. Which I am now trying to do. 

I definitely want this information shared with other consumers because I am not the only person who has encountered this problem with this institution. 

All I want is my money back and my Simple account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XXXX, Portfolio Recovery Associates filed a lawsuit against me over an account that was fraudulently opened online, one of many accounts. It was my very first time ever receiving a lawsuit from anyone. I did not know, or understand my rights under the FCRA. To be fair, this is a first time I dealing with an extensive identity fraud where I am struggling to restore my identity. As a victim of domestic violence, which began with Identity fraud, i learned over time the correct protocol with my situation. I filed police reports, FTC, and IC3 reports/ complaints as well as gave copies to the 3Bs as well as all Creditors/ Agencies showing that I am a victim of Identity Fraud. For the most part, some respectfully removed the accounts but others responded with they disagree since after their investigation, their reports are accurate. I then asked for copies of original contracts where it showed, I signed and dated. One responded with they decline to provide me what I asked, Portfolio Rec Associates, on the other hand sent me several letters this week, 3 of which they are closing and removing accounts. But the account, filed lawsuit in XXXX, in the letter was statements wrong information for example it says The account was active since XXXX. I know for a fact that is not true and I can prove it. None of which was the original contract, but the final page was the judgement in their favor. That was the concluding evidence for them to have it remain on my credit report, and approved by both XXXX as well as XXXX. I investigated further and found out that those statements are completely bogus. It is not an official statement, in fact, the return address does not in no way link to the bank. It links to random pdf files of other statements, then from those it links to a completely website where it shows where the money is really going. 

I am beyond exhausted with this whole process. I am victim of identity fraud and XXXX  XXXX survivor, XXXX  for the second time because of my credit. Companies like Portfolio Recovery Associates pray on the most vulnerable as if its an easy target. Theres no telling how many other they have done this too. Moreover, only time will show who is honest and who was deceiving.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been getting scammed and hacked in my bank accounts constantly and I lost my XXXX to a scammer who had all my info. This account was opened in my name but not by Me. I have no knowledge of it. This has been going on a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2023, I sent a certified letter to Transunion requesting that they send me the official documents that were used to verify the adverse information reporting on my current consumer report. FCRA 611 ( 15 U.S.C. 1681I ) 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I stated that the information was in violation of my consumer rights based off various FCRA laws that they were violating. The company has ignored my letter and now I am requesting the CFPB demand the consumer reporting agency to provide me with the certified documents used to validate the information that is currently reporting on my consumer report. Pay attention to the accounts and information highlighted and the laws that are being ignored. I want to know what the CFPB can do to regulate and enforce the laws that are in place to protect consumer rights. The past year I have been notifying the consumer reporting agency about this matter and I have been ignored. I am not asking for verification nor validation but enforcement of the laws that are in place to protect my rights as a consumer.

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