BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a charge with Citi Executive MC in the amount of {$2200.00} on XX/XX/2021. The charge was for dental veneers from the office of XXXX XXXX XXXX XXXX, XXXX, FL. I paid for XXXX dental veneers from XXXX XXXX and his assistant provided negligent work which XXXX XXXX refused to redo without full repayment. I was forced to have the negligent work removed and redone by another dentist, XXXX XXXX XXXX XXXX, XXXX, FL for {$2400.00} and this charge is reflected on the same credit card. 

Citi found in favor of the dentist despite letters from the new dentist stating the work from the XXXX XXXX 's office was negligent and was causing and would continue to cause worsening health problems. I appealed their findings and Citi found in favor of the XXXX XXXX 's office once again stating the " XXXX XXXX provided the work '' and therefore I have no grounds for a dispute. I vehemently disagree. I paid for XXXX dental veneers which were seated ( cemented in ) negligently. They needed to be removed and replaced, which XXXX XXXX refused to do, and therefore he did not provide the service I paid for. 

I escalated my dispute to Citi 's ERU ( Executive response ) team and this morning received a letter with multiple typos, several grammatical errors, and misuses of context as well as misinformation all through the letter stating that they " respectfully decline to issue a credit '' once again. 

I have filed a complaint against the Florida Board of Health against the dental office and know that the assistant is facing disciplinary action for performing work she is not licensed to perform regarding my treatment and XXXX XXXX XXXX also be facing disciplinary action, as well, because their investigation is ongoing, but why Citi continues to make me pay for botched dental work, just because the dentist has responded to their inquiry that he preformed the work, is troubling. 

I want the full amount of the charge from XXXX XXXX XXXX of {$2200.00} credited to 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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have not received anything from Transunion in regards to my credit report and FAL report. They claimed that they would send out a report but I have not received anything. It has been over two weeks. I need my consumer report and FAL report. I've been trying to reach out to Transunion, they have not given me access to my CONSUMER CREDIT REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Transunion has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic.

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 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a victim of scam bank of america has recieved all of the needed documents and proof also on calls that was made from me on XXXX to the bank the bank associate then ask for my account info over the phone as a result to next days calls to bank several calls within that week I was informed by other associates that the bank associate was never supposed to ask me for my account information as one associate provides me what was supposed to be XXXX correct number end up being the same number I had already dialed so it looks like all of this they were working together all the had to do was listen to the calls between me and bank associates the proof is right there but they write me telling me the are not refunding or credit my account apparently they did not do full investigation as they Said they were!

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 2022-08-15
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX, e-mail- XXXX, phone number, XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX my DOB- XX/XX/XXXX, last XXXX of SSN- XXXX. I had my phone, purse, car and everything stolen from me and I was left at a hotel in XXXX OH XX/XX/XXXX I contacted Chime to shut my account down and all they did was shut the debit card down and that didnt do anything but lock me completely out and at that point without being able to get into the app you can access any customer service! So the people that stole my phone and had access to my Chime bank account got my new debit card number and stuff before I did I had to wait for it to come in the mail they got to see it change on the app! All the while Im begging Chime an email asking them to please set my countdown that these people are stealing everything I had again he fell and deaf ears! So after I got all the information together and filed most of the complaint for the unauthorized transactions I got a denial, filed another complaint, I got those denied! Im not even placed all of the disputes because its just so disheartening to have so much taken and nobody listen but for the disputes that I have filed that Ive got denied for no reason! With lots of information that these people left on my phone that got saved in my XXXX account, them texting people saying they had my phone this was their new number, and pic that they took my phone of them in KY while I was still in OH! But the dispute for {$2100.00} was claim number XXXX, the dispute for {$1200.00} was claim number XXXX, the dispute for {$1900.00} was claim number XXXX, Theres no reason with all the evidence I submitted that my claims should not be paid in full and Im not going to stop til they are because they are scammers there self instead of a bank people are supposed to trust in!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a lump sum payment from XXXX instead of retirement. The intent is to pay off my Mortgage, but my mortgage provider won't give me the paperwork I need in order to initiate the wire transfer. I contacted them at the beginning of XXXX, toward the end of XXXX as well as filling out the payoff form request online. I called them again last week, and they say they sent it. 

I still want to pay off my loan, but it usually takes literally a two-hour wait, on hold- to get a live person on the phone.

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 2020-09-25
Company: PNC Bank N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I opened a prepaid debit card account with XXXX XXXX XXXX  a part of PNC Bank to receive my direct deposits from my state unemployment benefits. The account was fine and I was receiving my direct deposits for months now. Then the following happened. 
I was asked to submit a summary and identification on a most recent direct deposit into the prepaid XXXX XXXX  XXXX account. I emailed them the summary of benefits from the state unemployment. They then asked me to verify my identity and I sent in my drivers license and birth cert. They then said my drivers license address didn't match my address on file. My address on file is my family 's address and that is where I live now since COVID-19 and same address as my benefits. They asked me for a phone bill so I sent that along with a bank statement from the address in my name. I did all of this. They are refusing to release my money. WORST part is that I was asked all this same info 2 months ago in XXXX and I sent it all in at that time and it was all cleared and my account was fine. Now 2 months later same issue and they are not releasing my money. I believe this bank is not a legit bank even though their card is issued by PNC bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I formerly filed a complaint in late XXXX XXXX about capital one not giving me credit for a payment they accepted on XXXX XXXX XXXX. Where they posted a bill I paid that bill and they took their interest from that payment. The bill was for XX/XX/XXXX. The only response I recieved back was a copy of my contract on how I can't make any payments over 90 days in advance. They told me my payment wasn't for the XX/XX/XXXX payment and after arguing with them they gave me my interest back and applied it to the principle. I asked the manager on the phone '' When can I make XXXX 's payment? '' I was told in about 3 business days. I made XXXX 's payment on XX/XX/XXXX which when my payment cleared the whole payment was applied to interest! They stated that they collected interest every day since my last payment on XX/XX/XXXX. My first complaint is how if my payment shows up as a payment on my app with interest taken out how am I supposed to know that that payment " technically '' wasn't accepted as a payment until I brought this whole problem to their attention while I was waiting to get XXXX 's bill. My due date never changed which prompted me to call. And even after that matter was resolved finally on XX/XX/XXXX I still wasn't able to make that payment for 3 additional days. If I can't make a payment because of their error how can they charge me interest? And second they charged me interest on the additional XXXX that " should '' have been applied to my principle if they are stating it wasn't a payment. Which was their interest they collected then returned on XX/XX/XXXX. I feel customer service when I spoke to them just wanted to be right and had no concern for the customer. The manager I complained to even made it aware that not only were they taking XXXX 's payment as an interest payment I still owed them 24 more dollars! I treated with disrespect when she called me " dude '' over the phone because I'm standing up for what I think is right. I asked to speak with her manager and she threw the " well the only person higher than me would be the president of our division. Would you like to speak to him? '' I said ABSOLUTELY and when she put me on hold for 15 minutes she came back with a more respectable attitude and she told me she would take my number so " he '' could call me back in XXXX to XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase bank advertises several credit cards offering rewards mileage promotions. They unceasingly target and lure the customer. 

Then the cards take several hours over several days or weeks to obtain with unceasing and repetitive questions about credit or your address or other info, that is submitted to chase 6 or 7 times to even obtain the card. This has required hours in person at the bank, online, and on the phone- they want to torture you before issuing the rewards earning credit cards. 

Now with the cards in hand, I have ''rewards points '' I am trying to redeem for air travel. For the past 3 days chase.com has given several error messages and will not redeem any rewards points ''please try again later ''. Meanwhile, the ticket prices go higher and higher. 

On phone today, the chase agent was incompetent, lethargic and abusive and could not process the request timely. She said she has no record of any attempt, another defect in chase.com rewards system, if so. 

THUS, I was lured into wasting hours of my time to obtain the credit cards which earn air mileage rewards. Now, I can not redeem without wasting another five or six hours. 

The whole thing by chase.com is a XXXX of the public with the sky mileage scheme, they never intend to allow redemptions or will allow only with many hours of effort by the consumer. This is consumer fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I received my credit report from Transunion. It included the following incorrect information : XXXX XXXX XXXX collection balance of {$900.00} date opened XX/XX/XXXX This item has already been disputed and taken off my credit report. However on, XX/XX/XXXX, I received notifications from XXXX XXXX, that you have put this same account back on to my credit report after the disputing and investigation process was completed. 

If an item is deleted, the credit reporting agency can not put the disputed information back onto the credit profile. There was no re-investigation sent to me to notify me that this was investigated after the results were sent to me to confirm deletion. Also, this item was deleted over 30 days ago, which falls out of the limits to put back onto the credit report. 

FCRA regulations specifically state, in rare circumstances if the credit reporting agency accepts a reinsertion by the furnisher, they are required to provide a notice of reinsertion to the consumer within five business days of such reinsertion. I have no received anything and it is XX/XX/XXXX. 

transunion must delete this account off my record

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 received an alert from XXXX XXXX ( under my XXXX XXXX credit card ). That there was an inquiry made on XX/XX/2022. It was made by XXXX XXXX XXXX XXXX XXXX. This was Not made on my behalf. I've already alerted TransUnion, and had them put a freeze on my credit file. They also urged, that I contact your organization to file a complaint. I also made a couple of attempts to contact XXXX 's ( which was uneventful ). 
Please Help.

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 2019-10-01
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:
According to my XXXX XXXX which I monitor with XXXX XXXX XXXX, my score dropped over 100 points within a 30 day period. There were no significant changes to my credit report other than my move ( two blocks ) to a different apartment. This is not supposed to affect the credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Upgrade, Inc.
State: PA
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:
In XXXX of XXXX, I reviewed my Visa statement from UPGRADE, INC. and found several fraudulent charges made to my account ending in XXXX. These charges were listed as being placed by " XXXX XXXX, XXXX XXXX XXXX '', a company I have never heard of nor done business with in my lifetime. 

I immediately contacted UPGRADE, INC., the card company, and explained the situation. The charges were {$25.00}, {$25.00}, {$25.00}, {$25.00}, {$25.00}, and {$9.00}. All charges were listed as taking place on XX/XX/XXXX totaling {$130.00}. Approximately 5 weeks after filing the dispute, I received notice that the investigation was complete and that I would be credited all monies to my account. UPGRADE credited my account {$100.00}. At some point, they also credited {$15.00}, however, this left a balance of {$15.00} on my account. 

I am currently receiving a bill for {$15.00} which I've been disputing now for months. I have made several calls concerning this issue. On my last call, I spoke to a customer service representative named XXXX at XXXXXXXX XXXX on XX/XX/XXXX. I spent XXXX minutes and XXXX seconds with her on the phone, where XXXX minutes of it was spent holding while we waited for someone in the disputes department to answer. We finally hung up with the promise that she would call me back as soon as she got word from the disputes team. She called back at XXXX XXXX and basically told me to take care of the matter in some other fashion because they were not interested in taking care of the issue, even after I mentioned contacting CFPB to file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
It's XX/XX/XXXX. I received a fraud through phone call and transferred XXXX dollars and XXXX dollars to someone unknown through my bank of America XXXX account. I called the bank and they filed a report for me but can not guarantee they can stop the account for the scammers or stop the transitions. And I also called polices. But they can not give me a solution so far.

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 2020-12-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
SCRA Coverage, Service member entered into the XXXX XXXX XXXX XXXX on XX/XX/XXXX. Chase bank was contacted in regards to SCRA coverage for the interest rate of the credit card to be reduced from 15.99 % to the 6.00 % mandated under the SCRA. 

Phone calls were place to chase earlier in XXXX, to no resolve I sent two messages to chase via the online portal. Messages were sent on XX/XX/XXXX and XX/XX/XXXX. Both messages were received and replied to me from chase via their app. None the less after contacting them twice via the app and twice via the phone there still has been no change to the account as of XXXX. 

I contacted JAG in regards to the matter and they have directed my issue to your agency directly. I am more than willing to supply my contract of enlistment which can be verified by the Department of Defense and the earliest statement I have on the account dating back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: MO
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 XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXXXXXX 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 ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, AND XXXX XXXX XXXX ACCT # XXXX, has violated my rights.

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