BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a Citizen 's bank checkings + savings account in order to take advantage of their {$600.00} promotional offer on XX/XX/XXXX and was approved the same day. 

The promotion was a public offer by clicking on the following hyperlink : XXXX  : XXXX *Please note that the page does not exist anymore, but was a public online offer that was accessed by hundreds, if not, thousands of people. 

The offer is as follows : Citizens Bank is offering a bonus of up to {$600.00}. Bonus is broken down as follows : - Get a bonus of {$300.00} when you open a new one deposit checking or Platinum checking account and make a direct deposit of {$500.00} or more within 60 days - Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months - Get an additional {$100.00} when you do both I completed the checkings Direct Deposit of {$500.00} on XX/XX/XXXX. 

I completed the savings deposit of {$15000.00} on XX/XX/XXXX. 

As of Citizens bonus payout time table, I was expected to be paid {$600.00} by XX/XX/XXXX. 

Till this day, XX/XX/XXXX. I have not received the bonus and have been in contact with multiple representatives from the escalation team, to the marketing department who have not been able to locate the promotion. They told me that are not able to do anything. 

I feel cheated out of my money, which was essentially a free loan for the bank. I feel deceived and ripped off from this institution who promised to pay {$600.00} for a person to complete their tasks ( which I did ) and as a user acquisition cost. 

They advertised this promotion and should honor it for those who have completed the terms. My money was tied up with citizens bank for the entire duration and I want to be fairly compensated as they promised for their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I was using my venmo account like normal and verified my social and id i received money from a friend of mine and when i tried sending it to my bank it didnt let me. i contacted support and they said my account is closed and i have to wait 189 days to take it out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXXXXXX  XXXX XXXX  XX/XX/XXXXXXXX  XXXX  XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX  XXXX  XX/XX/XXXXXXXX  XXXX-XXXX/XXXX  XXXX  XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX 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
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-09
Company: DISCOVER BANK
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Hi, I stayed in a hotel ( XXXX XXXX XXXX XXXX ), XXXX for a night during my travel. Booked in XXXX XXXX for XXXX night XX/XX/ ( checked in at night XXXX ) and checked out XXXXMy charge was right from XXXX However I gave my credit card in front desk for security deposit. Later after XXXX days on XX/XX/, I was charged additionally for XXXX. I tried reaching to hotel and discover credit card to dispute the transaction. Hotel has very poor customer service and mentioned that they dont maintain records. Discover started fraud investigation and they mentioned that it was charged for different person ( " XXXX XXXX '' ) whom I DONT know at all. I tried explaining this several times and whether it was an intended fraud or a mistake from hotel, I lost my XXXX dollars. Discover customer care is very bad and they say since I am the owner of card, I need to pay though it is fraud. I tried escalating the complaint to check with hotel people how can they charge someone's stay without informing me. And I have proofs that I was in different city altogether and my card is with me on the date of transaction XX/XX/. But poor customer service and they are charging me. Please help and let me know if any further details are required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Remitly, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I transferred {$240.00} from my checking account in USA to my mobile wallet in XXXX to pay hospital bill. I received a response that my transaction was complete and that they confirmed money already in my wallet. I proceeded to pay only to realize transfer delivery was not effected. I contacted them and they promised to fix the issue in 24 hours. Then came 3 business days, then now 24 hours and a week down the line. They are no longer giving any new information but telling me to continue waiting. I suspect fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: HoldCo LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received an email from XXXX on XX/XX/23 for {$500.00} invoice. I called number on email to dispute the item. Gentlemen answered and advised he would look into my XXXX acct. We got disconnected and he called me back from another number XXXX. He proceeded to advise hackers were in my acct laundering {$20.00} XXXX in my savings acct. He also advised XXXX were opened in my name at my bank, sent me screenshot. He instructed me that I had to take the $ XXXX cash out so that the funds can be sourced. He advised I would get reimbursed via bank check which an image and confirmation were sent to me. He said if I didnt act accordingly, IRS and Federal Trade commissions would report my acct. I withdrew the cash and went to 2 Bitcoin ATMs per his instructions. He sent me XXXX XXXX to route funds to. Total of {$17000.00} was deposited. {$100.00} bill went into an ATM but never accounted for. Due to limits on the machines, he then instructed me to go to a store to purchase $ XXXX in gift cards that could be traded for the cash owed. I purchased 4 {$500.00} XXXX gift cards. I had asked him how this could be considered legitimate. He became frustrated and threatened me that if I dont follow instructions I would be reported and bank check would not get deposited into my acct. He then instructed me to take photos of each front/back and send to number. He kept me on the phone the entire day accessing my cell via any desk app that he told me to download. During the course of the day, he also had me do test transactions on my XXXX XXXX resulting 2 transactions {$220.00} & {$220.00} withdrawn from my checking acct. I received text msgs confirming cancelled transactions from XXXX XXXX 
I was panicked and nervous the entire day due to the threats, msgs, emails and promise of getting my funds back. 

I finally realized this was a scam when he instructed me to delete our text exchange. Instantly, I placed him on hold and contacted my bank to report this. My bank instructed me to go to the police. My husband and I spoke with Officer and their IT agent. Complaint # XXXX was filed, I need to get a copy once ready approx Fri, XXXX. Calling office tomorrow XXXX. IT agent stated XXXX address on the XXXX XXXX receipt can possibly be traced. He would try to investigate but no guarantees. The officer and I called the number on the Bitcoin receipt to report this issue. We advised the gentlemen all of the details. He advised since this occurred outside of 30-60 min there was nothing he could do. I requested to speak to a Manager. He advised his Team Leader XXXX XXXX wasnt available and would call me back that evening. No call ever received which I feel is extremely neglegent given the amount of money and layered scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had my phone and my wallet stolen just last week. I filed a police report and a claim with chase to get the issue resolved. Chase denied my claim even after Ive provided evidence ( such as a police report and the fact my phone number has been halted as well ) that my phone and wallet were stolen given those thieves sensitive information and personal access to my data. Chase is the only one that refuses to send back the money that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$4300.00}, {$1600.00}, {$4500.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- CLOSED ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DON'T RECOGNIZE THESE ACCOUNTS 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 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was reviewing my credit report and noticed a bunch of accounts and inquiries that do not belong to me and shouldn't be reporting. It is unfair that I have to deal with the consequences of these negative accounts even if I didn't open them our even tried to open them. I sent dispute letters to these credit companies over 45 days ago and still haven't gotten any results let alone a response. I need these hindering accounts removed. I need to apply fir a mortgage soon and I can't do that if these false accounts are still reporting on my credit.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1500.00} I DONT RECOGNIZE THESE INQUIRIESXXXX 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 explanation
Consumer complaint received 2023-06-04
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 Sequium Asset Solution has flagged my collections for {$2300.00}. I have no knowledge of this debt or where it comes from. I never gave sequium asset solution my personal information or permission to use it. So I dont understand how they are able to flag my credit report with a false debt .Ive tried to contact them via phone, but I cant get in touch with anyone. This has dramatically affected my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sirs. My name is XXXX XXXX, Writing you a compaint on behalf of the company XXXX XXXX ( XXXX XXXX ), based in XXXX, XXXX XXXX. We are tourism company ( outbound touroperator ) sending tourists abroad, mostly to XXXX. Our web site is XXXX, we do our job since XXXX. 

The account of XXXX XXXX was opened and used for money transfering in XXXX Bank XXXX XXXX of XX/XX/XXXX weve sent from the account of our company XXXX XXXX in XXXX XXXX ( XXXX ) the amount of XXXX XXXX dollars ( XXXX ) to our partner XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) with a payment for hotel accomodation. XXXX XXXX is JP Morgan Bank ( XXXX ). At the XXXX of XXXX this payment was rejected by XXXX Bank and since than it is beeing stucked in intermediate Bank XXXX JP Morgan ( the confirming documents you could find in attachment ) the requests for investigating and refunds were sent to JP Morgan : XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX JP Morgan is keeping silence and not providing any answers for our requests After XXXX of XX/XX/XXXX XXXX Bank became useless, be cause it got in Sanction List of USA. 
Weve opened account in XXXXXXXX XXXX  to continue our operatinal activity and decided to send summ of US dollars to our new account XXXX XXXX  ( transfer of own funds ) XXXX of XX/XX/XXXX XXXX sent from the account of our company XXXX XXXX in XXXXXXXX XXXX XXXX  XXXX ) the amount of XXXX US dollars ( XXXX ) to our companys XXXX XXXX new account in XXXX XXXX XXXX  XXXX ) - TRANSFER OF OWN FUNDS. XXXX XXXX is JP Morgan Bank ( XXXX ). Since than it is beeing stucked in intermediate Bank XXXX JP Morgan ( the confirming documents also you could find in attachment ) the requests for investigating and refunds were sent to JP Morgan : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX JP Morgan is keeping silence and not providing any answers for our requests Dear Sirs we are kindly ask you to assist in the refund of funds and influence the bank with refund of our funds or to provide exact information of blocking the funds, so we can aply for XXXX license. We are ready to provide different bank accoount ( ex. XXXX XXXX ) to transfer blocked amounts to a Bank, which is not in sanction list of US or XXXX. We guarantee, that our company XXXX XXXX is not in a sanction list of any country and not connected in any way or any type with crimea, XXXX XXXX or any similar territory Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020 I have purchase XXXX XXXX via my XXXX bank I have proof worth of XXXX via App called Coinbase, I have a level 3 verified account. Few days alter I misplaced my phone for few hours and than regained access to my phone without comptonization of my private data. After that my coinbase account got locked, I opened a ticket with them but so far it's been over 35+ days where I just received confirmation email without anyone trying to unlock my account so I can use my funds. I'm emailing Coinbase Support on daily basis to solve my issue with locked account by they just ignoring my correspondence and not providing me a valid reason for no unlocking my funds. 

Please help, Coinbase Support XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Putting in correct items on consumer report. Breaking law

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 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-23
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My identity was stolen and the fraudster took out a loan in my name from Santander bank. I have since returned the money in full but Santander continues to send me bills and claims that I still owe them. I have tried to reach out to Santander bank but they are not removing this fraudulent transaction from 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 2021-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian I have been seeing authorize I information reporting on 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 2021-10-26
Company: EQUIFAX, INC.
State: KY
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:
Every single credit bureau is reporting inaccurate accounts on my credit reports and they are in violation of the fdcpa and fcra. This is misleading false reporting at its best. remove all inaccurate accounts from my consumer report asap or I will be seeking litigation. I am attaching all inaccurate accounts to this complaint.

Company response to consumer: Closed with explanation