BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citibank- formerly my Sears card which I got solely to buy a new frig at their store - recently and arbitrarily reduced my credit limit from {$7000.00} to {$2000.00} for no good reason ( allegedly from non-use! ). This bullying tactic has just brought my XXXX  score down by XXXX points, from a constant excellent to just good. This is so nonsensical to me - most credit cards providers are happy when someone is responsible with their expenditures, payments and balances, Citibank is punishing me for it. I've had credit cards for years that I don't use all the time but they have never done this. They must be in some financial stress over there to punish me for what little bit of revenue I might provide with an expenditure I don't even wish to make at this time. It doesn't reflect well on Citibank as a financial institution to resort to this kind of coercion. I have written to them, saying that if they restore my normal credit limit ( {$7000.00} ) immediately I will put their card into my current spending rotation. But that doesn't feel right to me to have to do this. They have overstepped. I was deep in debt a few years ago, well over $ XXXX and I have worked hard to pay it off, and to keep it paid off. And to change my behavior. If I cancel their card, my credit score will drop even further. For being good! This can't be right. 

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 2023-03-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX letter received that the lease on safe deposit boxes and checking accounts are cancelled with no explanation. Annual fee paid on safe deposit boxes in XX/XX/XXXX. 
XXXX went into branch to withdraw money and items from safe deposit boxes. XXXX XXXX denied the withdrawal. Sent home and asked to call a number - ( XXXX ) XXXX " Compliance '' on the line left a note on account allowing the withdrawal and mentioned that the refund on the safe deposit box will be processed once the account has been closed XXXX lease on safe deposit box cancelled on XX/XX/XXXX per letter XXXX called chase to get refund on safe deposit box. CSR on phone mentioned that they can't process the refund over the phone and need to go to branch for the refund to happen. CSR mentioned that If branch can't process refund, have the branch call them. However, when we arrived at branch, the branch mentioned that we can not receive a refund because the account is already closed and that there's nowhere to refund the fee to. We called CSR, but they mentioned they can't process the refund on the phone ( as we were told before ) but provided no further instructions to the branch on how we can get the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: NY
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:
Im accordance to the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1666- correction of billion errors ( Accounts ) - XXXX XXXX  XXXX XXXX ), XXXXXXXX  ( XXXX ), XXXX XXXX/ XXXX XXXX XXXX ), XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX  XXXX ) ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor

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 2018-09-09
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have sent two request to SunTrust my loan origination bank. The first request to the CEO which was more of an informative request. The second request for information followed the RESPA mandate for QWR OR RFI, SunTrust chose to respond to the CEO letter and did not follow the guidelines of acknowleding my QWR/RFI within the stated timeframes. Further more SunTrust is denying my right to what they reflect as the loan origination documents prepared by former SunTrust broker for my loan. SUNTRUST states my request should go to my servicer. My Servicer sends copies of documents that never address what I need. The unanswered question is why neither SunTrust or XXXX wants to provide what they now have as the originational loan documents prepared by the broker and what was used to qualify me for the mortgage. SunTrust prepared a response to me based on my letters and conversations with them. The copies of the documents I they have will help in bring this complaint to a close. 
This is a repeated request for information regarding the original loan documents, file. Not limited to the application, credit report, approval notice, amount approved for type of loan, request for personal references, job letter, pay stubs verifying income. All supporting documents used to qualify me for the loan.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: NY
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 had a realtor in XXXX of XXXX who was helping me look for some apartments. He showed me a few and he had some of my information based off my W2 that I showed him. I did not give him permission to apply for none of the apartments he showed me. ( which he only showed me just two ) something just felt suspicious because my intuition was telling me not to trust him anyway. I Listened to myself of course and no longer worked with him. im currently looking on my credit report and I see that it says " tenant screening ''. I'm sure that's him because I was working with him around that same time. I did not apply for any apartments with him neither did I give money for an application fee so I'm not even sure why its on my credit report. the date of this inquiry was XX/XX/XXXX Here 's the creditors information XXXX XXXX Im not sure where this Experian account came from as well. I have no knowledge of this information. I didn't even know Experian had business credit. Im unaware of this activity and this was not me. the date of this inquiry was on XX/XX/XXXX Here 's the creditors information EXPERIAN BUSINESS CRED

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 2020-11-06
Company: SYNCHRONY FINANCIAL
State: LA
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:
In XXXX of XXXX, I viewed my credit report and started making positive strides towards paying off delinquent charges and debt. In XXXX of XXXX I called the number listed on my credit report which was XXXX XXXX XXXX XXXX. The representative that I initially spoke to informed me that the Paypal debt of {$710.00} was forgiven and that I could not pay it off even if I wanted to because they were no longer collecting. In addition to this, a 1099-C would be sent to my current address and I'd have to take care of once I filed taxes. I waited until XXXX of XXXX to receive the 1099-X and never received it. I called back multiple times afterwards. One representative XXXX XXXX XXXX ensured me in XXXX that the form was mailed out and that I would receive it the following week. I never received it. The representative that I talked to on XX/XX/XXXX was the most helpful and sounded the most concerned about my issue however, I am now entering a critical time where I now NEED the form. The Paypal representative today XXXX XX/XX/XXXX ) that paypal stopped reporting it to the credit companies on XX/XX/XXXX. This is not true. This debt is being reported as of 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 2022-10-21
Company: Experian Information Solutions Inc.
State: TX
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:
In XXXX of XXXX I used my credit card ( 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ) to perform a consumer credit transaction with XXXX XXXX to obtain phone service. In XXXX I was sent a statement which showed billing errors. I addressed the billing errors immediately by sending an Affidavit of Response for Billing Error to XXXX XXXX at XXXX XXXX XXXX XXXX, NY XXXX. On XX/XX/XXXX I received an email from XXXX with XXXX XXXX XXXX  stating, Dear ( xxxxx ), My name is XXXX, and I work in the XXXX XXXX XXXX XXXX. I received your complaint from XXXX XXXX, XXXX XXXX, and wish to speak with you to address your concern. I would first like to apologize for any inconvenience that you may have experienced with our company. I understand from reviewing your Written Complaint that you have a concern about a billing error. I truly appreciate the opportunity to address your concerns, as it helps us become better at what we do. Let me know the best time to contact you, as well as the preferred method of contact. Please do not hesitate to contact me directly at XXXX Extension XXXX, Monday through Friday between the hours of XXXX XXXX XXXX XXXX XXXX est. I look forward to speaking to you soon. Regards, XXXX I responded XX/XX/XXXX, XXXX XXXX to XXXX, Hello XXXX and thank you for your prompt response. I am available by email Monday through Friday between the XXXX XXXX XXXX XXXX XXXX  and phone between XXXX and XXXX XXXX @ xxx-xxx-xxxx. Thank you for your time and consideration regarding this matter. XX/XX/XXXX around XXXX my service was interrupted and my Billing error dispute has not been addressed nor has it been corrected. Now XXXX XXXX has taken adverse action against me for invoking my rights as a consumer. Pursuant 12 CFR 1026.d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. XXXX has paid the Credit Reporting Agencies to publish negative information on my credit reports stating that I owe {$1700.00} on a closed collection account with 1 month terms. As a federally protected consumer I don't owe any debt.

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 2018-09-09
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
T D Bank charge me for overdraft in which I had the account block on my business account if the funds are not in the account the transaction is not suppose to go threw. I see I buy something on my debit card it takes days to go threw. I also notice this time 1 transaction threw my account off and T D Bank charges me {$240.00} dollars for 1 transaction that the money was short on XXXX. I have been in a branch 2 times that there are not suppose to be no transaction be approved if the funds are not there. My next issue is that debit is suppose to be only approved if the funds are in the account. I did not agree to let transaction go threw my business account if the funds are not there. I also been to T D Bank about this and now this time 1 transaction cause me {$240.00} in over draft fees. My account is minus {$190.00} as to date for no reason due to the transaction throwing previous transactions off due to TD Bank not doing as we discuss. This is one of the worst banks I have had to deal with towards business. Month before my account was hack and while I was at the branch it took over 45 minutes to shut the account down. This as I was told was being doing by some company in XXXX as I was sitting at the branch in XXXX PA they was still making transaction it was cleared up 10 days later. My issue I should not owe no {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2022-12-15
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I accidently sent payment my mistake bit immediately i tried to cancel payment and then requested a refund from the recipients with no response furthermore i contacted the institution cashapp and they told me that they would not replace my funds basically that it was my. XXXX and that they would not replace my funds. 
The funds that need to be replaced are to XXXX XXXX for {$330.00}. In XXXX 2022 and payment to XXXX XXXX for {$330.00} on XXXX 2022. I also had sent payment to XXXX XXXX at the same time bit he responded to my refund request and returned my money. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-12
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to file a complaint against American Express regarding the closure of my credit card accounts. On XX/XX/2022, I requested a hardship modification from American Express due to financial difficulties I was experiencing as a result of the COVID-19 pandemic. However, on XX/XX/2022, American Express closed both of my credit card accounts without any prior notice or explanation. 

At the time of the account closures, I had not missed any payments on my Platinum account. I later discovered that American Express claimed that I missed a payment, despite the fact that I had called in to set up a manual payment from a different account to ensure timely payment. 

In addition, I was charged an annual fee after the account was closed, and despite requesting a full accounting of the charges on my account, I never received any response from American Express. 

The closure of my accounts has caused significant financial harm to me, exacerbating the financial difficulties I was already experiencing due to the COVID-19 pandemic. I have been unable to secure financing for my investment property and have encountered other credit-related problems as a result of the negative impact on my credit score. 

I believe that American Express violated several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and engaging in unfair, deceptive, or abusive acts or practices ( UDAAPs ). 

Under the FCRA, creditors are required to provide consumers with a notice of adverse action before taking certain adverse actions, such as closing an account. The ECOA prohibits creditors from discriminating against applicants or borrowers on the basis of race, color, religion, national origin, sex, marital status, or age. If American Express closed my accounts solely based on an unrelated drop in my credit score, they may have violated the ECOA. 

In addition, American Express may have violated UDAAPs by failing to provide me with a full accounting of the charges on my account and charging me an annual fee after the account was closed. 

I would appreciate it if you could investigate this matter and take appropriate action against American Express. I have attached documentation to support my claim, including copies of my payment records, credit reports, and correspondence with American Express

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied for a discover credit card because my credit score has increased and I'm in a better financial space. It was denied and it says because of a previous status of an account. I have never had any services with this company before and also there is no record of this account on my credit report. 

I have reported this issue to them before and was assure that it was resolved and that I would be able to apply again and I received a letter being denied because of previous account status. 

If there is an account it was opened in fraud and not by me. When I called the representative the account was was closed and paid off this is not my account. I need your help in getting the credit card company to review what is going on...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CCS Financial Services, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company is XXXX XXXX XXXX ( maybe out of XXXX XXXX ). 
I have asked repeatedly for this company to stop contacting me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The company reported hard inquiries that dont belong to 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 explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent information to XXXX, XXXX and Transunion about accounts that were on my credit report as a result of identity theft. I sent them the accounts that were opened as a result of identity theft along with a identity theft complaint from the federal trade commission and they responded with a letter stating that the information was verified. They did not state or send the documented proof of any investigation or that i opened any account that i stated did not belong to 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 non-monetary relief