BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
1. On or about XXXX XXXX, I searched for a XXXX hotel in XXXX, XXXX on " XXXX '' and booked the XXXX rated XXXX XXXX XXXX Hotel for XXXX XXXX. The booking was non-refundable. 
2. On XXXX XXXX, I called and wrote XXXX a letter asking for my booking to be cancelled because I learned from XXXX that the XXXX was undergoing major renovations and guests were complaining about their stay. The renovations were not disclosed on the XXXX website. 
3. XXXX refused, both on the phone on XXXX/XXXX/16 and by an email reply to my letter on XXXX/XXXX/16, and instead assured me that there would be no issues with the renovations. I therefore had no choice but to use the reservation since it was prepaid. 
4. The XXXX was nowhere near the XXXX hotel that XXXX advertised on its website. It was very noisy, there was no lobby for the use of the guests and their visitors, an essential feature of a XXXX hotel, and the restaurant was also very noisy and probably contaminated from the construction. 
5. When I returned home, I disputed half of the $ XXXX charge to my Citibank credit card on the basis that I did not get the XXXX hotel that I had booked as XXXX had advertised the XXXX to be and committed to deliver to me. 
6. Citibank refused my dispute and gave me XXXX different reasons on different occasions : That the booking was non-refundable : While this is true, I argued that this does not excuse XXXX from delivering goods or services that were agreed upon. Not delivering what was agreed upon is a valid billing error. 
That I had received the goods/services : I asked Citibank how would I have known what kind of goods/services I would get if I did not go ahead with my stay at the XXXX, especially since they assured me that the renovations would pose no problems? 
That I did not provide Citibank with a credit slip from the merchant : I told Citibank this is not a " missing credit '' dispute, so how could I produce a credit slip? 
7. Citibank never answered any of my arguments above. Neither did Citibank ever dispute my contention that the XXXX was not the XXXX hotel that I booked and contracted for during my stay there. 
8. XXXX claimed that the renovations were disclosed. But even if that were true, XXXX admitted it was at the very bottom of its webpage, so this was not in accordance with " Truth-in-Advertising '' rules on disclosure of material information. I provided Citibank with the rules but I never got any comment on them. 
9. It is clear from Citibank 's irrelevant, evasive and round-about replies to the issues I raised that it never investigated my dispute as required by the Fair Credit Billing Act. This is one reason for this complaint I am filing. 
10. The other reason I am filing this complaint is Citibank never provided me the results of its investigation, in writing or by any other means, as required by the Fair Credit Billing Act.

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 2019-11-19
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:
I currently have a loan with XXXX XXXX, XXXX XXXX car Company. The payments are $ XXXX monthly by XXXX. In XX/XX/2019 I notified XXXX XXXX I was changing banks from XXXX XXXX  to XXXX XXXX. I filled out the form well in advance and submitted it. The form stated that the new account would not be active for 14 days. To cover the automatic payments my previous XXXX account was left open with sufficient funds for over 90 days to allow my original XXXX to continue until the new XXXX became active. Without notification, XXXX XXXX  canceled my original XXXX  and did not notify me for several weeks, by mail. Upon receiving this notification I immediately called XXXX XXXX and brought the payments up-to-date. They waived the late charges and still reported a late payment in XX/XX/2019 to all three credit reporting agencies even though my original XXXX account was still valid. They did not notify me they were going to cancel my original XXXX and that I should make payments through another means until the new XXXX was active. I have called them and wrote them letters. Their response was once they report a late pay they will not reverse it. I contend I did not cause this late pay. It was caused by a flaw in their systems communication. I would like this late pay removed from all three credit reporting agencies.

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 2017-02-28
Company: PNC Bank N.A.
State: OH
Product: Credit card
Issue: Rewards

Complaint:
I applied for a PNC CashBuilder credit card ( for the first time ) which offered an incentive of {$100.00} ; the offer was sent to me by mail and I was approved. I met the criteria for the {$100.00} to be awarded ; however PNC states that the incentive will not be granted because I already received XXXX {$100.00} incentive on a completely different type of credit card ( PNC Points ). I 've never applied for nor had a PNC CashBuilder credit card until now and if the incentive that was offered was n't valid they should n't have sent me this Pre-Selected offer. I 've been an upstanding patron of PNC with the same checking & saving account and primary credit card for 28 years. PNC has no time frame allotted between bonuses awarded nor specifications on the different types of cards ( PNC Points, PNC CashBuilder ) applied for that eliminates eligibility for the {$100.00} incentive. Example : if you get XXXX {$100.00} incentive on a specific type of credit card ( PNC Points ), PNC does n't specify that the completely new different type of credit card applied for ( PNC CashBuilder ) does n't qualify for the {$100.00} incentive once received on the initial XXXX ( PNC creates new credit cards throughout the years so how would a consumer know ). Also, PNC does n't give any time frames on the duration of time that you will not receive additional incentives when your approved for other Pre-Selected offers with incentives attached. Example : If you meet the criteria for XXXX {$100.00} incentive, PNC does n't specify that if you apply for another completely different or the same credit card later within 1 year, or after 1 year, or after 2 years, or after 5 years, or after 10 years, or within a lifetime that you would not qualify for the {$100.00} incentive offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I had a {$850.00} credit card limit for my daughter. She reserve a car, she never picked up. I set the limit for a reason. I dont want to have to pay interest I cant afford. Capitol One allowed XXXX to put {$1700.00} on a credit card that have {$850.00} dollar limit. This effecting my credit score and Im paying {$60.00} in interest. In 2015 I checked the box to not allow my credit card to go over limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am writing in response to your notice about an alleged debt. ( XXXX XXXX XXXX XXXX ). Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation.

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 2017-04-03
Company: BANCO POPULAR DE PUERTO RICO
State: MI
Product: Credit card
Issue: Other

Complaint:
Have a credit card from XXXX opened in XX/XX/XXXX. XX/XX/2017 Had issues from the start : Transactions denied, online website errors etc.. 
I initiated numerous calls whereas representatives could not provide reasons, there was tremendous inconsistencies. 
After having a dispute with a fraud investigator my account was immediately restricted. 
Denied more transactions and more calls. Fraud investigator XXXX tried to convince me that a few cards have problems with addresses and requested proof of address along with my passport. 
XXXX is not aware that my daughter is an it tech specialist and one of the best. She had a scholarship to XXXX years ago and is very familiar with security systems. My daughter informed me the reason XXXX claimed can not be accurate. 
PLEASE LISTEN TO THE CONVERSATION ON XX/XX/XXXX with XXXX I was denied use of my XXXX card twice in last few days. I have answered over a dozen security questions, some going back over 10 years correctly, I have provided my Drivers License, passport, 2 utility bills and business credit card statement from XXXX. All my information is confirmed by every credit bureau and through a XXXX search, However and somewhat incredibly XXXX bank continues to claim I am not who I say i am. 
Convinced that untrue statements were deliberately provided to me and more convinced whatever ridiculous issue is theorized, it is based either on discrimination or employee retaliation. Both of which violates the contract I have with XXXX, which was is a contract of adhesion. 
I go to anywhere on this planet and enter any country with the information I have willingly provided. 
Therefore, if XXXX continues to hold their claim that I am not XXXX, they can not report this account to the credit bureaus as belonging to XXXX and there is no obligation to pay for any balances.

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 2020-04-01
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I went to the atm in XXXX IL to make a deposit of {$1300.00}. Only {$240.00} of that deposit went through and I was spit out a receipt saying that an error has occurred and my atm deposit could not be processed. At a time like this I can not afford to be short of my deposit. I called in regarding the {$1100.00} deposit difference that I am missing, and was told they would issue a dispute that would take 10 days for a provisional credit.. TEN DAYS??? at a time like this? I have the receipt saying there was an error. Why would someone need to wait 10 days to access their money? Isn't there a way of looking at that particular atm 's transactions and see what went wrong? I really need that money ASAP especially with not being able to go into branches etc at this time.

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 2022-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
We are getting ready to paydown our Bank of America HELOC so i wanted to clarify what the deferred interest was that kept showing up in our statement. I also wanted to clarify what a particular transaction was in our transaction history online was since we haven't drawn from the line of credit sinceXX/XX/XXXX or XXXX. This transaction does not appear in our statement. I called customer service and I was told a 'case ' would be opened to look into the matter since they couldn't explain what the deferred interest was for. They also did not see the transaction I was referring to in their transaction history. Why does it show up in our activity online? I was told a copy of our transaction history would be mailed to us. We have heard nothing about the case nor have we received any transaction history documents.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested XXXX XXXX XXXXXXXX XXXX  to remove their furnishing report that is still on my credit reports ( excluding XXXX ). They have continuously failed to report to the remaining 2 major credit bureaus to remove the incorrect information that was in result of identity theft, regardless of the providence of an FTC report, legal identifying documents, and even after a police report was filed and a copy of the card ( which includes the officers signature, badge number, date, and case number ).

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 2023-04-29
Company: Synovus Bank
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 applied to open a secured Credit Account with First Progress / XXXX XXXXXXXX First Progress ( also known as XXXX XXXX ) is erroneously trying to charge me multiple Late Fees on top of a {$25.00} Annual Fee, and is Threatening and Harassing me by wrongfully reporting to credit agencies that my account is XXXX days Past Due. 

According to an email I received from XXXX XXXX on XX/XX/2023, my XXXX XXXX Checking Account was charged on XX/XX/2023 by First Progress in the amount of {$100.00} for the opening deposit required by this secured credit card. 

Without any warning whatsoever, First Progress/XXXX XXXX slapped a {$25.00} Annual Fee onto the secured credit card account, I swear or affirm under penalty of perjury I was never advised about this. First ProgressXXXX XXXX then slapped two additional " Late Fees '' onto my credit card account, in the amount of {$25.00} and {$41.00}, bringing the total balance to {$91.00}. I called to complain about these erroneous charges and the fact that I was never alerted about this balance even one time before my credit monitoring service alerted me that my credit bureau scores had dropped XXXX to XXXX points and one of my accounts was being reported as Late. 

To be clear, I HAVE NEVER USED THE CREDIT CARD FOR ANY PURPOSE. NO BILLS OR CHARGES HAVE BEEN APPLIED TO THIS ACCOUNT SINCE I MADE MY {$100.00} Security Deposit. 

I have contacted First ProgressXXXX XXXX and offered to pay the {$25.00} Annual Fee, they are refusing to accept this as payment in full, they want me to pay them {$50.00}, and is only willing to drop the last {$41.00} Late Charge. When I log into my account online, the First Progress/XXXX XXXX system says Current Balance {$50.00} but when I view the Current Balance Due it still says {$91.00} and their system will not allow me to make any payment less than the " Full Balance Due '' so I can not even make a {$25.00} payment and dispute the rest. 

In addition, First ProgressXXXX XXXX is using the credit reporting bureaus to try to Extort me for the payment, and as a result of their reporting, my credit scores have fallen XXXX to XXXX points in under 60 days, putting them in the range to where I can not effectively get a new car or purchase a home. This should be a CRIME. 

This is my account information : XXXX XXXX  Card Credit Card XXXX Account # XXXX The XXXX XXXX Card Secured Mastercard is issued by Synovus Bank, XXXX, GA, Member FDIC. 

As of XX/XX/2023 I have also filed Disputes with Credit Bureaus through Creditkarma.com and I Complained to my State 's Office of Attorney General mediator, who advised me that the CFPB is the most appropriate agency to deal with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Scheer, Green & Burke L.P.A.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter in the mail stating I owe {$100.00}. After speaking to the practice and the billing company for the practice, both stated I do not have a balance and they are not aware of who this law office is. I left two messages for the law office to call me, no return phone call. No one answers at the phone number listed and I also tried another phone number that goes to a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: PA
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:
The account shows closed but is currently active

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 2022-04-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account numbers : XXXX XXXX  XXXX  - XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  Acct # XXXX have violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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:
i can not gain access to my report. i can log in and see my account scores, however it will not allow me to see report. i need this access due to being a new XXXX XXXX XXXX. i have vendors that are checking my credit. plus equifax has charged me 5xs during the last 30 days and i can not see product. Equifax keeps trying to help me log on site.I DO NOT NEED HELP WITH LOGGING INTO ACCOUNT. i need help actually seeing my report. i have been a monthly member with equifax for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: MS
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$80.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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 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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 sent letters to the XXXX XXXX XXXX XXXX XXXX and the credit department via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I sent emails directly to the XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I have had excellent payment history, but I have two late payments in XXXX that are severely hurting my credit because they are considered recent. However, I have done further research and found that these late payments are inaccurate. 

I have been begging for deletion since I was admitted into the XXXX XXXX at my local hospital for a severe condition that almost took my life. I could not support my family and while in the XXXX  in XXXX XXXX I lost my job. And even still, I was a loyal customer and ever worst according to my records I did make payments for XXXX AND XXXX of XXXX yet they are reporting two late payments that have irrecoverably damaged my credit score I made ACH payment of {$20.00} on XX/XX/XXXX, {$60.00} on XX/XX/XXXX, and {$20.00} on XX/XX/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