BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I called to do a balance transfer with citi mastercard by XXXX. I confirmed with customer service that I could submit a another balance transfer in the already open transfer and was told that I had one year to make more transfers. I asked how much I could transfer. She let me know that my limit was {$2000.00} but if I wanted to transfer more, I would need to increase my credit line. I agreed to increase as I have excellent credit. 
I was transferred to the department that handles increases in credit limits. My limit was increased to {$6000.00} and a hard pull on my credit was executed. 
I asked to handle the balance transfer and was transferred back to the customer service department where I was then told my another representative that I could not make any balance transfers. 

I was then escalated and transferred to a supervisor for the mistake who submitted the claim. I confirmed that if I signed up For another citi XXXX account with a balance transfer Offer ; I would be able to transfer a balance. 

But now that I have a {$6000.00} limit this will effect me being able to obtain any more lines of credit and a significant balance ( not just {$2000.00} ) I submitted my complaint and no one could tell me what the options for resultions were. They simply stated they could not reverse the credit limit increase nor could they give me a balance transfer. I feel this is fraudulent behavior and poor interdepartmental communication on consumer credit policies and laws

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 2023-05-02
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collection company ENHANCED RECOVERY COMPANY trying to collect a debt on account that was no made by me. I have disputed this account and asked for them to send documents stating that this account is verified and received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries for the following companies : 1. XXXX XX/XX/2021 2XXXX XXXX XX/XX/2021 3. XXXXXXXX XXXX XXXX XXXXXX/XX/2021 4. Syncb/Amazon XXXX XX/XX/2021 5. Syncb/Lowes XX/XX/2021 6. XXXX  XXXX XX/XX/2021 7. XXXX XXXX XXXX XXXXXX/XX/2021

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 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I consolidated my loan back in XX/XX/2017 with DEPTEDXXXX. The payment was in forbearance, because I was not sure how I was going to pay the monthly amount. Being that I was a young inexperience millennial, I kept delaying to figure out how I was going about paying my monthly payment. Then I just started a job paying about {$18.00} an hour, but couldn't figure the entire loan set up. Now I have a more stable financial situation, I am currently working on a payment plan with DEPTEDXXXX.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Late payment, XXXX Late payment, XXXX Late payments, XXXXXXXX XXXX late payments and XXXX balance, Collections XXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX late payment and balance XXXX. 
Collections XXXX. Transunion XXXX Late payment, XXXX late payment, XXXX late payment, XXXX XXXX late payments and XXXX balance. 
Collections XXXX, XXXX, XXXX, XXXX. 
15 U.S.C 1681 Section 602A. States I have the right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction 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 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 2023-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a Chase Freedom Unlimited credit card for years and have used this card just occasionally ( i.e. at most a few XXXX dollars per year in the fast few years ). However in XX/XX/XXXX, my friend mentioned to me that the Chase freedom Unlimited Credit Card will have 5 % Cash Back if using XXXX as the payment. I never paid attention to this promotion and was concerned that the credit card I have will not qualify the promotion for cash back. For safety purpose, I would like to call the phone number at my credit card to confirm that I am eligible for this promotion. I called right away and was confirmed that the Chase Freedom Unlimited Credit Card was having the 5 % promotion using paypal at checkout and this promotion would expired on XXXX XXXX, XXXX. I am very excited to get the confirmation and started to use this credit card for the remaining rest of the year, XXXX XXXX XXXX XXXX. I spent $ XXXX $ XXXX {$3700.00} in total. I was expecting 5 % cash back of {$180.00} however I found the cash back shown in my card is only 1.5 % at {$56.00}. 
I felt confused and called Chase again for the clarification. The 1st lady who talked to me said it's 5 % Cash Back. But she was confused also after I asked her to check out my account for cashback. Then she asked XXXX, her supervisor, to contact me on XXXX XXXX, XXXX and XXXX told me that my credit card does not qualify for the 5 % promotion cashback. I asked her why chase representatives confirmed with me that my card is eligible for the promotion? XXXX told me it's my responsibility to know that my credit card did not have the quarter promotion and I should not account on the Chase representative 's word. I am confused and it looks like that XXXX believed that the representatives told customers useless information, not professional at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a XXXX XXXX, XXXX, and XXXX XXXX XXXX. Where I didn't make enough money at the time to pay the cards by my payment deadline and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX  XXXX and XXXX XXXX XXXX. I set up another payment plan for the XXXX  card which I am currently making payments on.

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 2023-10-02
Company: TMX Finance LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I try to pay off my loan every payment of {$500.00} dollars I still not reflecting on my account the amount they I own still the same. 
Title max is not a transparent with their customers is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: FL
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 Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Late payment, XXXX Late payment, XXXX Late payments, XXXXXXXX XXXX late payments and XXXX balance, Collections XXXX. Equifax XXXX Late payment, XXXX late payment, XXXX late payment, XXXX late payment and balance XXXX. 
Collections XXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX XXXX late payments and XXXX balance. 
Collections XXXX, XXXX, XXXX, XXXX. 
15 U.S.C 1681 Section 602A. States I have the right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: U.S. BANCORP
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank .... They cashed my check on XX/XX/XXXX, they are stateing I have not made a payment and charging me a late fee. I have tried numerous times to discuss this with them to no avail. They call several times a day, send emails basically telling me I'm destitute. I have made a payment they cashed the check and I am taking offense. They will also send this information to the credit bureau damaging 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 2022-10-25
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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my handwritten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a Citibank credit card for 20 years and the last month I paid the payment twice in a single month. When I got my next statement I was charged a late fee simply because the second payment didnt fall after their statement date. 
I spoke with them and they acknowledged they see the two payments but refused to remove the charge.

This is simply forcing me as a consumer to fall within the limitations of their technology to recognize I am NOT late and I paid them two payments. You would think logic would play a role here but no, Citibank like the rest of the financial institutions has no regard for customers or common sense. 

I as their customer and an upstanding member of society am now punished for paying too quickly. This is not to mention this will appear as a 30 days late on my credit. This is just plain wrong and dishonest.

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: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : JPMCB HOME XXXX Date Open : XX/XX/1999 Balance : {$620000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Pursuant to 15 U.S. Code 1666b - Timing of payments each person reporting LATE on any of my accounts on my consumer credit reports are in violation! XXXX, XXXX, Equifax, you all have failed to comply with Federal and State Law. All my accounts needs to be updated as PAID ON TIME. Pursuant to 1681 ( a ) ( 4 ) unfair reporting of information before consulting with ME. I have disputed these items at first, and you verified them without consulting with me. They ( XXXX, Equifax, and XXXX do not even have proof that the alleged transaction took XXXX & they we're impartial in their actions because they furnished unverified information based off of one sided information ( from the corporation alone ) and by the way they ( XXXX, Equifax, and XXXX XXXX XXXX XXXX Bank, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank ) held a conversation without my knowledge about me & my private business & communicated unverified data that's definitely an infringement on my right to privacy & they weren't there to witness that transaction so the information they have is here say it NOT factual information. 
Pursuant to 1681 a ( d ) ( 2 ) ( a ) ( i ) you are in my personal business and that is a violation.

There should NOT be ANY LATE payments on my account for any reason. This is a demand, I am not asking nor am I telling you to Investigate because it is clear and evident you are not to be trusted. So you listen to me and comply with my demands. You have to correct your errors right now! CFPB or FTC forward my demands to the following persons mentioned, XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have violated section 15U.S.C 1666B timing of payments. ALL PERSONS THAT VIOLATED WILL BE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was solicited by the company XXXX XXXX on XXXX XXXXXXXX XXXX. I was sold a product that I was not able to use and the and attempted to cancel the contract the next day the company refused so I filed a complaint with Bank of America whom I have been banking with for 16 years. I explained the situation and told them I was within a 3 day timeframe to cancel the contract. This dispute was started over a month ago with no resolution and Bank of America telling me that its up to the merchant to refund my money when I purchased the items with my Visa card I was not refunded the {$4000.00} to my account as of todays date, Bank of America has also stated that they did not receive fax that I sent them so today I stayed on the phone until they could verify the fax had been received, so not only have I been ripped off by a IdealImage but my own bank is taking their sweet time to put my money back in my account. I want this resolved they told me it could take up to three months that is not acceptable for something that shouldve been canceled within a three day contract cancellation that is my legal right to utilize.

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 2023-08-12
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have three separate accounts with Amex personal use, primary bills, and business. I have been receiving limit reductions for all account despite never missing a payment, and I had an issue with one card and Amex froze all accounts/cards which ultimately impacted my credit and completely severed my ability to purchase basic necessities. 

Amex then reached out demanding XXXX $ or else they would continue reducing account ( this is by legal definition coercion which is illegal ). I informed Amex of this and that my wife and I are due for our first baby this week and we can not risk having cards frozen or paying such a large sun when we already live paycheck to paycheck. 

I have spoken with Amex about interest reductions as well and am being charged 400 $ + a month in interest. At this pace I am fearing potential bankruptcy and inability to support family when I have been a consistent user for almost ten years and have never defaulted a payment. All of this has occurred from XX/XX/2023 to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX, 2023 I attempted to purchase an item for {$86.00} from a website. I used Paypal to complete the purchase. I did not realize until it was too late that the website directed me to a Paypal portal that I was unfamiliar with and where the monies were withdrawn from my account immediately and I would not have the normal Paypal protections to insure I would receive the item or my money would be refunded. 

I immediately relogged back into my paypal account and tried to cancel the transaction. 
On the paypal site I was able to send the seller a message to cancel the item. I did this but I have not received any notice back from the seller that the transaction was canceled or any conformation that I would receive the item I purchased. 

I attempted to file a complaint on the paypal wedsite resolution center but was not able to do so because of the way the payment was made. 

I called paypal and spoke with customer service and was told also that because of the way the payment was made there was nothing they could do. The customer service gentleman told me to be more careful in the future. I told him there website showed that the payment was still pending and why can't he put a hold on the payment until the issue is resolved. I told him I felt I was tricked by the website into making that type payment and I felt Paypal should have better protections on their website for the consumer. He said he would pass my concerns on to higher management. 

I feel the website I went to is a scam. I used paypal to pay for my internet purchases because I thought I would have protection from them from scammers. I feel the scammers found a loophole in Paypal 's payment system and are exploiting that loophole. 

I would like you all at CFPB to press Paypal into closing this loophole. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation