BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX I applied for an Apple Card through an article found on appleinsider.com and it stated that I would be able to receive {$75.00} in XXXX XXXX by clicking their referral link, creating a card and making a purchase within 30 days. Given the incentives I made an account and I have noticed that I did not receive the credit after making a purchase and when I called the customer support they continued to deny my claims and insisted that I did not qualify due to terms and conditions that I did not follow, such as that I applied for the card before the offer became available. After being transferred to XXXX different representatives, they changed the rhetoric saying that I simply didn't qualify for the credit, which didn't make any sense as my family all applied on the same day as I have, while adhering to the same rules and conditions and they were able to receive their {$75.00} in XXXX XXXX. After an unsuccessful resolution I received a follow up email, stating almost the same thing as mentioned on the phone however the email now states that I needed to receive the offer directly through an email they would send me as well as " spend ( ing ) {$75.00} or more in total on the new Apple Card account within 30 days of opening '', It also states that I needed to apply for the card between XX/XX/XXXX - XX/XX/XXXX. None of these terms and conditions were stated anywhere in the referral link to the Apple Card application and when I revisited the exact page on Apple 's website these kinds of information remain missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: SYNCHRONY FINANCIAL
State: NJ
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 received an alert on my phone that my card was charged for {$XXXX} on a hotel site. I did not authorized the charge, i was checking hotels at the time on XXXX. I called immediately my credit card company : TJX Rewards XXXX XXXX issued by Synchrony Bank. I explained the situation and requested the charge to be denied as it was still pending. The man on the phone said they had to let it go through but not to worry as they would investigate and refund the money to me. On XX/XX/XXXX i received the refund, then on XX/XX/XXXX i was charged again for the same and it was noted on the statement as a re-bill. I called to inquiry what has happened and they told me the merchant ( scammer ) had provided sufficient documentation to prove i made the purchase, i requested such documentation because it was a lie. The documents they sent were the merchant 's rules on cancellations and such ( i am sending this documents in the attachment ). I told them i did not care what their rules on cancellations were, because i have never made a booking with them to begin with, they stole my information ( i'm thinking because i have everything stored in google ( including the credit card to be prefilled ) and by this time i had already investigated more of this merchant, there were hundreds of complains same as mine on the site XXXX. I told the agent this and that i needed the dispute to be reopened. They reopened and sent me the same packet with the scammer 's rules on cancellations and told me they sided with the merchant. So i paid the credit card balance in full and closed the account in XXXX of XXXX. 
On XX/XX/XXXX i received a call from a man, he presented himself as an agent for the credit card company and asked if i was satisfied with the results of the investigation. I told him i was not but i did not care anymore as the account was closed already. He said if wanted to he would reopen the investigation. I told him to go ahead but i had no faith in their system. On XX/XX/XXXX i received an email from Synchrony bank containing a letter saying they would be refunding the money within XXXX  days ( letter is attached also ). 
Since i never got the refund i called to inquire about the check in XX/XX/XXXX, instead of looking into what happened with the check, they once again reopened the case, i did not hear back so i called on XX/XX/XXXX and they told me they sent a letter on XX/XX/XXXX siding with the scammers once again. I asked why would they do that and what happened with their resolution from XX/XX/XXXX. They said they did not know but the case was closed and against me.

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 2023-04-12
Company: Prince Parker & Associates
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 PRINCE PARKER AND ASSOCA reported on my credit. This debt collector does not have the right to report to my credit as they are not licensed or bond in the state of tn to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Around the XX/XX/XXXX I noticed transactions unauthorized or unfamiliar on my account but due to I didnt get or receive my statements even mail or email service ( I requested on XXXX and they start sending the statement last month ) I made and send the report with the transaction highlighted to this bank to make the corrections. XX/XX/XXXX, receive a letter in reference to my claims said- no error has occurred in this instance.We now consider your claim resolved. But wait? They didnt do anything or resolve nothing and on the bottom said a number to call. I call that number and the representative tells me : theres no documentation relied to your claims. So? Honestly I need help because is my and family money

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 2019-12-07
Company: ClearPath Lending
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX Called & spoke to XXXX in XXXX , CA after receiving another unsolicited letter about a VA home mortgage loan. I asked him to remove us from their call & mail listings ; he promised he would. Called XXXX. 
XXXX & spoke to XXXX in XXXX, CA after receiving yet another unsolicited letter about a VA home mortgage loan. She promised she would remove us immediately. Called XXXX. 
XXXX another unsolicited VA letter as above ; called and spoke to XXXX XXXX, also in XXXX, CA, who also promised to remove us from ALL phone and mail solicitation lists. Called XXXX. 
XXXX another unsolicited VA letter ; didn't call ; sick. 
XXXX another unsolicited VA letter ; called and spoke to XXXX in XXXX, CA. She said she " didn't work for the company ; just handles the phone ... '' She was going to leave a message for Clear Path to remove us from the call & mailing lists. ( This just goes on and on and on ... ... it never STOPS!!!!! ) XXXX-Filed a complaint with the XXXX XXXX XXXX of XXXX, AZ ( # XXXX ) against Clear Path Lending for unsolicited harassing marketing practices ( as demonstrated above ). 
11/26/19-Got an unsolicited letter from XXXX XXXX, a partner of Clear Path Lending ; spoke to XXXX XXXX. He promised to remove us from his email/mail/call lists and gave me your information to file a formal complaint against Clear Path Lending to halt ALL marketing from them IMMEDIATELY FOREVER! 
XXXX-Got another unsolicited letter from Clear Path Lending for a VA loan ... can you believe it???? Yep! Still coming ... .It 's like a curse ... ..I will call them at XXXX and tell them that I have now filed a formal complaint with the CFPB against them for bad marketing practices and they had better stop and desist ever sending us any more mail immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reported bankruptcy to XXXX  and Trans union after saying they would remove

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 2023-01-02
Company: Maximus Education, LLC dba Aidvantage
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loan accounts have been inaccessible for over 3 months. My accounts were transferred from XXXX XXXX in, I believe, XXXX of 2022 and have yet to be set up with Aidvantage. I have not received an account number. I can not request a refund that I have been trying to get since XXXX of 2022. I am told something different every time I call Aidvantage, and nothing has been done. I know that Aidvantage has my loan information because they can see it when I call in and provide my social security number, but they have yet to set up my account and issue an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Westcreek Financial
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Ordered product from another company that does business with this company. This company did the financing for the product ordered. Never received the product. Company that product was originally ordered from will not assist or reship product. The finance company continues to debit my checking account and will not stop nor refund the money that has already been debited from my checking account. Both companies keep referring back to each other with no resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-23
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX ext XXXX and XXXX XXXX is her name. She works for TDBank. i am part of a deft relief program and XXXX law is negotiating for me and this bank has called my ex husband and i daughter about this issue and harassing. Need this to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposit check amount XXXX to my personal account and the bank is holding my account for more than 15 days and I call many time no one give me clear answer why the holding the check and I call the attorney who give me the check he said your bank took the money form his account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: Maximus Education, LLC dba Aidvantage
State: MA
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:
While I was attending school I called XXXX on XXXX different occasions to ask if what I was doing was correct and would count towards my loans. I was told YES, deferment AND {$0.00} payments due to hardship would count. While I was in school I deferred because I couldnt afford to make payments. When I called prior to Covid I was told I have around 90 paymentsthat counted, which would have put me at 120 during Covid. 
Come to find out none of this was true. Ive lost 7 years of payments I told would count and now I only have XXXX payments in total. I thought Id be finishing and Im literally at the beginning after flat out being lied to SEVERAL times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have new information pertaining to a complaint I sent to Experian XX/XX/2022. The complaint ID is XXXX. It has been well over 4 business days and they have not blocked the information that I listed in my identity theft report. Experian needs to follow directions pursuant to 15 U.S.C 1681c-2 ( a ). Here is this complaint I will also attach the proof that I mailed the documents to Experian related to my identity theft 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 non-monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions 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, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-23
Company: Block, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
To whom it may concern, I, XXXX XXXX of the XXXX family am writing you today as an aggrieved man. I filed a complaint with CASH APP XX/XX/22 regarding my lost or stolen debit card. There were unauthorized transactions made using the card without my consent and or knowledge. CASH APP cancelled the debit card and sent me out a new one. 

However, my CASH APP account is now over drawn because CASH APP denied my claim. I demand that these unauthorized transactions be reinvestigated, and my claim be accepted. As a customer of CASH APP, I am disappointed in the shameful Behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Dear Sirs, I opened a Citi XXXX XXXX XXXX account. This card offered a 19.74 % promotional rate for the card. The consumer would receive XXXX miles for spending an amount of {$3500.00} before XX/XX/2022. I met the goals to obtained the miles. I was approved for this card on XX/XX/2022. I received the credit card in XX/XX/2022. My due date on the card is the XXXX of each month. I have paid XX/XX/2022 {$500.00}, XX/XX/2022 {$300.00}, XX/XX/2022 {$460.00}, XX/XX/2022 {$600.00}, XX/XX/2022 {$560.00}, XX/XX/2022 {$560.00}. I always pay before the XXXX of each month. The Citi rep stated that, I could lower my APR and interest by deferring some of my purchases with a lower rate Then my current interest rate of 28.74 %. I was shocked. The Citiflex plan rate was {$27.00}.. I questioned why my APR was so high. I didn't get a straight confirmed answer. Please note to obtain this credit card you needed a minimum credit score of XXXX or higher. I have been traveling out of the country. Citi card is aware of the location. The payment on XX/XX/2022 didn't clear my bank. I didn't understand why .I called a representative to give them the debt card from that checking account on XX/XX/2022 so, that my credit payment could be deducted immediately. I received a email from Citi XXXX on XX/XX/2022 that the payment returned which, I informed them initially on XX/XX/2022 that it would per our recorded conversations. I rectified the issue immediately before the XX/XX/2022 email.. I contacted Citi XXXX on XX/XX/2022 to inquire as to why they closed my account. They stated because of my late payment. I told them that I contacted you about the initial payments made. The email generated on XX/XX/2022 requested I make another payment. The representative stated that I should've been alright. I'm out of the country. I need my card for the miles and business. My credit is prestine. I have contacted Citi XXXX to give me a copy of the service agreement today on XX/XX/2022 to confirm the verbiage that indicates the reasons how they have a right to close my account .They wouldn't mail or email the information. My payment history is great. My credit is prestine. I only have this credit card. I don't carry debt. I'm requesting your assistance to having my credit card reopened and my interest rate lowered. If my credit score has dropped from XXXX until now it's do to my credit card being closed. I'm a mortgage consultant. I know how the credit scores work and surely don't have a lot debt. I truly appreciate all of your help in assisting me to resolve this matter. Best Regards, 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 2023-12-10
Company: Nav Technologies, Inc.
State: HI
Product: Credit 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:
Disputed the following charges with NAV Prime Card on XX/XX/2023 and XX/XX/2023 and NAV said that provisional credits for the full amount of the charges was to be posted by XX/XX/2023. Contacted NAV on XX/XX/2023 and they now have no timetable to post the provisional credits. 

XX/XX/2023 Disputed XXXX XXXX XXXX  charge in the amount of {$89.00}. Paid for annual fee but never received products or services. Immediately cancelled service same day for full refund. 

XX/XX/2023 : Disputed XXXX  XXXX  in the amount of {$99.00}. Paid for annual fee but never received product or services. Immediately cancelled service same day for full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an 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