BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello, I noticed that I had an issue when I tried to go open a bank account with the XXXX XXXX XXXX on XX/XX/XXXX, and was told that due to some information being reported by XXXX XXXX XXXX and XXXX XXXX I would be unable to open any bank account. I went home and called them both to figure what is going on and I was told by XXXX XXXX that I had a bank account opened in or around XXXX XXXX XXXX and that bank account was closed due to fraudulent activity. I found this information new and I told them I never open that account at all. I started going through the tedious process of trying to get the account removed. I filed an official police report, I made a identity theft report and I froze my credit files. I sent all this information into the XXXX XXXX and Bank Of America and I have not heard anything back yet. When I do I was told that they didn't believe me and that it would remain on my banking history file. All I want is for this to be removed and solved so I can move forward with my life.

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 2021-09-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My wife and I purchased a vehicle XXXX of XXXX. We made our first payment in time in XXXX, and then called Citizens Bank ( the loan holder ) to change the due date of our payment from the XXXX of each month to the XXXX of each month. I was assured the change was made, and my next payment wouldnt be due until XX/XX/XXXX. I just made my payment online, and I am still showing a due date of the XXXX and that I have missed a payment. Nobody at Citizens bank will even answer my phone calls. It is a complete scam of a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Please refer to the attached document as supporting evidence of my claim. 
I opened a Checking account with Citizens bank back in XX/XX/ with a {$300.00} promition code. I followed all instructions and I received more than {$500.00} deposits in the first 60 days to qualify for the bonus but now the bank is not providing me the bonus and it says Each deposit needs to be {$500.00}. But as you can see in the evidence attached to this complaint that the banks promotion webpage does not say that clearly at all. The promotion says the account holder must receive " {$500.00} in the first 60 days '' and that is what I did. If the promotion page displayed this details I would have made {$500.00} deposit instead of 2 deposits of {$250.00} totaling {$500.00} every month. The bank should not mis-inform the customers just to make them create new accounts. When I tried to show the promotion details to customer support agent of the bank on call the agent surprisingly said that some third party is promoting this offer and not the Bank itself when the promotion is clearly shown on the Citizens bank website only ( please refer to attached evidence ). I should be given my account opening bonus of {$300.00} and for future customers Citizens bank must fix the details in their promotion on their website so that no other customer should be cheated like me by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CITIBANK, N.A.
State: GA
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:
I recently discovered my credit score had been affected as a charge card debt had been increased. As I have only a single credit card tie as alarming. I s som research to find the card was issued by The Home Depot, of which I have no knowledge. I immediately reached out to the store only to confirm that neither my name, address, prior address or SSN had any association with this account. They then directed me to their fraud department to open an investigation. In the meantime I disputed with all 3 credit reporting agencies. I received my first response from XXXX that as the card issuer confirms the information to be correct, it will remain. This is insane. Whos card is this and how does this just happen? Im supposedly an Authorized User for whom?? I have not advised or approved this for anyone and to be penalized for this fraud is an outrage. I in turn have redisputed this bogus fraud. I am in the process of purchasing another home and will not have this negatively affect my forthcoming interest rate. As I plan to close within the next 60 days, your prompt attention and response is greatly appreciated. 

Many Thanks, 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 2023-03-31
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was checking my email for an email I was told I had been sent ( job interview ), went to search spam, and found 3 emails that all claim to be from attorneys and threatening to prosecute. I've pasted the email content below.

" We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days. So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter. 


UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER " Also, when I replied to this one, she sent me a link that looks suspicious. I contacted the original loan place and they haven't yet sold my debt/acct.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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:
Re : Feedback, XXXX, USAA ( XXXX credit card ) Interest dispute : Interest of {$5.00} occurred as a result of USAA failure to provide billing statements as reported to USAA in complaint. All interest an fees were to be removed to this lack as reported in complaint. Complaint contains name and date of my talk with USAA rep. Repeated calls to USAA requesting copies of statements were ignored for months. Finally USAA provided the statements for review for accuracy before payment. Payments were late due to USAA 's failure to provide statements in a timely manner. Many phone calls were made to USAA. No one had taken action to resolve the problem. I had informed USAA that payments, including the {$160.00} payment could not be made until I received the statements. The reps understood this. Payments due were paid in full. The {$5.00}. should not have been billed. 

As to credit limit, I repeat that I never received USAA ' letter and nor otherwise informed of the reduction from {$20000.00} to {$2500.00}. Repeated phone calls to USAA requesting a copy of the letter were ignored. Even after the complaint USAA saw fit not to send a copy of the letter. 
USAA sent a negative remark to the Credit Bureaus resulting in at least a 26 point reduction in my score. Apparently, USAA reduced the limit based on the late payments caused by the company. Such action is unacceptable considering the facts. USAA never provided the " Remark '' sent to the credit bureaus upon my requests. delayed payments were due to USAA 's long delay in statements. 

As to contacting " staff : '' staff has not been cooperative in resolving either issue. Simply put, it's a waste of time. Note that USAA would not send me letters in reply to mine, but provided CFPA a broad statement that could have been given to me 10 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit 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:
This is a follow-up complaint to XXXX. 

After several calls, I still can not transfer my Membership Rewards points from my AmEx account because the company refuses to adjust my account name to my full legal name. In your response, you stated : " Please contact us at your convenience using the number on the back of your Card so we may perform a name XXXX XXXX XXXX XXXX XXXX change on your account to reflect your full legal name. '' In the interim, I closed my gold account and transferred my points to my corporate card. Several times have I called you attempting to change my name. I have filed out an online name change request, providing you with my international passport, which is the only form of ID I currently possess in you US. That form of identification was denied for reasons that are not clear to me. In a call today ( XXXX XXXX ), a call center supervisor could not help understand why the name change was not performed. A different call center service member promised to perform the change at the end of XXXX, said that they were gon na get back to me in 24-48 hours, and never did. It was now said that some form is being mailed to me and that I should complete it, but that is not what was stated in the previous complaint and I have no indication that that will solve my problem. Evidence continues to mount of AmEx unwillingness to correct its mistake and reflect my full legal name in my account. Please, provide me with a phone number of a competent person that I can call to make this change and do not relegate me once again to your poorly trained customer service members since I have already done 5+ calls in the last couple of months and they have been utterly incapable of helping me. If a satisfactory resolution in not provided by the end of XXXX, I will be hiring an attorney and proceeding legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: SUNTRUST BANKS, INC.
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
Suntrust Credit Card Purchased some coffee & breakfast at XXXX on XX/XX/19. The breakfast supposed to include eggs with steak & bacon. There was a very small amount of steak ( no a small portion, it was like 2 pieces of " square piece of meat ) and no bacon. 
It appeared i received some other persons order. 
I contacted XXXX by email the same day, and other then the standard we have received your email reply, i have not had any further contact with anyone from XXXX. 

On XX/XX/19 i tried to dispute part of my order with my credit card company. I couldn't find an online option to dispute the charge. 
I called the credit card company, and was told i have to work it out with the merchant. 

I directly ask the rep, if all a merchant has to do i to ignore my emails or calls, and they'll get away with charging me for something i did not get, and the reps reply was " Yes ''. 
Where is the protection for customers?

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
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:
According to 15 US Code 6802 - any persons sharing non-public information to a third party is in direct violation of the law & my privacy in which is to be protected at all times from said companies or persons and was not given the written opportunity to opted out. 

After reaching out to all three for verification & removal ; All 3 or 1 companies have not removed the following, nor adjusted the information in which is the same across all reports, or failed to respond within the 30 days of verification ask, which pertains to this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 called the 3 credit bureaus after I purchased a credit report with IdentityIQ on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX Balance : {$23000.00} will be investigated and updated from my 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a charge for a little over {$9800.00} which was assigned to a city flex pay plan with a locked interest rate of 9.9 %. I then did a balance transfer for a little over {$5000.00} which was at an introductory rate of 2.9 % which expired XX/XX/23 and was to be prime plus 15+ % interest, or nearly 3 times the interest for the flex plan after XX/XX/23. 
On XX/XX/23, after the expiration of the introductory rate, I made a payment of over {$6000.00}, enough to pay off the balance transfer amount as well as make the minimum payments on the other flex plans. The funds were actually removed from my bank on XX/XX/23, when the payment was finalized. On that day, XX/XX/23, I received an email ( attached ) from Citicards that I had paid off the flex plan at 9.9 % interest rate, meaning that they had not applied the payment to the higher 24.4 % interest balance for the balance transfer. I called the company and spoke to 2 agents and a supervisor ( XXXX ). They informed me that the issue with how the payment was applied was because the company 's computer system hadn't updated on XXXX, and so the computer had applied the payment incorrectly. They assured me that the issue would be corrected and to give them 10 business days to correct it. They placed a referral to the " back office '' to get the 9.9 % interest rate reinstated. I was told I would be notified once the interest rate had been corrected. 

However, this morning ( XX/XX/23 ) I called and spoke with another supervisor, XXXX, who informed me that the referral to correct the interest rate had been denied and that the current interest rate I'm paying on this slightly over {$5000.00} balance transfer amount is 24.4 %. He could not tell me who denied the referral, or why. I advised him that I understood it was the law to apply payments to the highest interest rate balances first and asked for an explanation why this wasn't done. I asked who denied the referral. I asked him what the name of the department the referral was sent to was called. He couldn't answer any of these questions. He tried to reach out to the first supervisor who helped me on XXXX, and then he resubmitted the referral for the request to have the interest rate corrected. 

It is my assertion that Citicards is participating in illegal, predatory lending practices. They are refusing to apply the payment correctly to the highest interest rate balance and they are attempting to extort 2.5 times ( and possibly higher at some point given that it's a variable rate ) the amount of interest from me that they are entitled to.

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 2021-04-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I responded to an ad on XX/XX/XXXXfor an apartment rental in downtown XXXX XXXX for the month of XXXX. I checked the ad with the building website and all the pictures and descriptions matched the company website. I signed the lease and wired the money for {$3100.00}. When I went to pick up the keys there was no apartment. I talked the building manager and he told me that no such apartment was for rent in that building. I then tried to get my money back but no luck. I worked with my bank XXXX XXXX XXXX, chase bank and the XXXX XXXX police department Case # XXXX officer XXXX XXXX XXXX. 

I was told chase can not send the money back without a police judgement

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: CURO Intermediate Holdings
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: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have requested Nexis Nexis for a data erasure of my records which was incorrectly reported. They hold infomation against my which I do not consent to publish my personal public information to insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: JPMORGAN CHASE & CO.
State: NY
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:
according to 15 USC1692b Chase bank is violation of my privacy they are speaking about my debt to other people ( the bureau ) without my consent and they are unlawfully trying to demand to pull my credit report and give me an inquiry as that is unlawful just like I told them.XXXX  out the balance on this account a consumer is not obligated to pay debt. Fact, Truth and Lending is intended to help the consumer avoid the uninformed use of credit and to protect the consumer against inaccurate and unfair credit billing and credit practices and I, the consumer did not receive meaningful disclosure so be it.XXXX  out the balance on this account. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it.

Company response to consumer: Closed with explanation