BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 at XXXX, I went to the XXXX XXXX XXXX XXXX XXXX NY XXXX Citibank branch to make a withdrawal of {$580.00} from my Savings account. Before I could collect my money from the machine, the automated door closed and took the money back. Since I needed the money that day, I withdrew another {$580.00} at XXXX, called Citibank customer support, filed for an investigation to make sure that my money was properly returned to my account, and then went about my day. On XX/XX/XXXX, I was issued a provisional credit and was assured multiple times by customer support agents that the matter would be swiftly resolved. I will note that this happened on a Sunday, the main floor of the bank was closed, so I couldn't go in and immediately talk to a bank employee. I am also not typically in that area during the week because I work in downtown XXXX. 

Last week, I received a letter in the mail stating the provisional credit of {$580.00} would be removed from my account on XX/XX/XXXX, with the investigation concluding that there was " no cash discrepancy ''. I asked for a second, new investigation to be opened and proceed to visit the XXXX Citibank branch on XX/XX/XXXX to speak with the staff and find out what the details of the investigation were or if it even took place. 

I sat down with the XXXX branch manager for a few minutes to discuss and he was not only deeply rude and unhelpful, but did not give me any details of the investigation and only told me that " considering the results of the investigation, there was nothing [ he ] could do '' and then remarked, " it's a tough situation, buddy. '' So, upon leaving that day, I had no details about whether or not the ATMs had been checked, if they checked the security footage from the branch location or the ATM itself or if the branch had even heard about the inquiry. It left me with no resolution and still, I was missing {$580.00}. 

When I asked if there was any way to appeal the decision of the case or any other way to pursue a result, he recommended I file a complaint to Citi customer service and then wrapped up our conversation, effectively rushing me out of the building. 

I went home, called Citi customer service, and filed an official complaint against the XXXX Citibank branch, asking for the branch to be held accountable in this situation and for the second investigation to continue. I also filed for an appeal on the original investigation, something that the branch manager didn't bother to inform me of and to be made aware of whether or not the CCTV footage from the branch location or the ATM itself was actually utilized in the investigation. At the end of this, I'm still missing {$580.00} of my own money.

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 2023-03-23
Company: EQUIFAX, INC.
State: AR
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 am submitting this CFPB Complaint to you today to dispute an error in my credit report. According to my credit report, I have a late payment on my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. I need you to fix the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX, XXXX XXXX Opened XXXX XXXX, XXXX Balance {$530.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Arcadia Holdings, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt collector contacted me on XX/XX/XXXX via text which I didnt respond to. On XX/XX/2023 they sent the same text only this time I replied with STOP as the text message indicated in order to stop these text messages. Even though I told them to stop, I still got another text message today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 ITEMS. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I received an email stating that I opened a Bank of America XXXX XXXX XXXX checking account with just my SS #. I did not open this account nor do I have any accounts with Bank of America. And I can't get BofA to close the account because no one will answer 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 2020-12-16
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase issue. 
I purchased a fixed amount of bitcoin in XXXX ( approximately XXXX bitcoin ). I transferred it to my coinbase account. I haven't been able to log into my account soon after that date. 
I was asked to verify my Identity by submitting an ID such as a passport and a selfie. I followed all of the steps required but it didn't work. 
I attempted to resolve this issue by following the guidelines on the coinbase site. It didn't work. 
I reached out to coinbase support on the XX/XX/XXXX and on the XX/XX/XXXX I still haven't received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: TX
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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 opened a dispute through Synchrony Bank on XX/XX/XXXX, They said it would take unto 60 days to contact Ashley Furniture store to investigate. After the time passed, on XX/XX/XXXX I see a balance due with no letter or notification from Synchrony bank. 

Synchrony has failed to mail or emailed a resolution letter of their investigation that I opened XX/XX/XXXX, XXXX synchrony has failed to do a thorough investigation. if a proper investigation was done synchrony would have realized that Ashley made a mistake, a typo and so they sent me the wrong item, Ashely sent to my HOME Item : XXXX INSTEAD of Item : XXXX. 
I DID NOT authorize or approved for item Item : XXXX to be sent to my home. Cant you not see the typo Ashely made??? On XX/XX/XXXX I filed a dispute with Synchrony bank. I told Synchrony that Ashley store furniture has failed to provide me with the item I had originally purchased. They delivered the wrong item,. I was told by synchrony it would take up to 60 days for a resolution. Since Ashely couldn't get together my order correctly I requested a cancellation of everything ( which was only 1 queen bed and they have failed to cancel. I should not be responsible for an item I didn't purchase or approved. .I went to store located in XXXX XXXX on XX/XX/XXXX. I purchased a bed on display, called XXXX XXXX XXXX XXXX XXXX bed Item : XXXX ( ( which included storage ) as seen on their display model. Instead ASHLEY SENT the WRONG item. I received XXXX XXXX XXXX XXXX XXXX : XXXX. not the Upholstered version. AS you can easily see ASHELY made a mistake, they made a typo on my order, they entered Item : XXXX INSTEAD of Item : XXXX Therefore, I? d like to request a proper reasonable instigation, on said dispute said transaction, I? m terribly dissatisfied with Synchrony handling my case. I should in no way be responsable or pay for item that I didnt order or approve or received. Briefly, I? d like for synchrony to please correct the error on my account promptly. Sincerely, 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion XXXX report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXXXXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : o XXXX the victim of identity theft and I dont recognize one or more  of the accounts on my report. 

Dispute 2 Account Number : Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 3 Account Number : Source of dispute information : XXXX XXXXXXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 4 Account Number : XXXX Source of dispute information : XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 5 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute XXXX Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute 7 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Lease Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Dispute 8 Account Number or other information to identify account : Source of dispute information : Type of disputed information : Dates associated with item being disputed : Explanation of item being disputed : INQUIRIES  : XXXXXXXX XXXX : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, 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 2020-07-30
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I walked into a CitiBank branch located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX on XX/XX/2020. I sat down with a branch rep named XXXX XXXX. There were advertisements posted all over the wall of the branch marketing the " Citi Priority '' banking product which would offer a promotional deposit of {$700.00} into the account after conditions were met : 1 ) Within 30 days of account opening, deposit {$50000.00} into the qualifying account 2 ) Maintain the {$50000.00} balance for 60 consecutive days 3 ) Payout of the promotion is 90 days after minimum requirements are met In effect, I had to maintain {$50000.00} in a low-interest savings account for 150 days ( 5 months ), in order to receive the payout of {$700.00}. 

That payout was due last week. I called the bank to see why I hadn't received my payout, even though I had made close to no interest on {$50000.00} that was in their money market account. 

They told me they will launch an investigation. A day later, I noticed something strange. Whenever I would login to my Citi account, it would recommend I upgrade to " Citi Priority '' to get extra banking benefits. That was really strange since I had always been on Citi Priority up to that point. 

After a couple of days, I received an quite shocking update to the investigation : I was told that I never signed up for the " Citi Priority '' account package, instead having signed up for an inferior " Citibank '' account package. This account would have been eligible for a reduced {$400.00} payout, with a {$10000.00} minimum balance, but that promotion was never applied to my account at opening. 

These guys literally switched my account type on their end, retroactively modified all my e-bill statements, and claimed I never signed up for the Priority account package in the first place. They XXXX me out of the conditions to get the {$700.00} bonus. 

Thus, I wasted 5 months worth of interest on {$50000.00}, and received neither the {$400.00}, nor the {$700.00} promotional payout. 

This bank makes business by lying and deceiving its customers. Classic bait-and-switch tactics.It is infuriating, and they need to be brought to justice.

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 2023-07-17
Company: EQUIFAX, INC.
State: RI
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:
I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX XXXX Account Number : XXXX Date Reported :XX/XX/XXXX & XX/XX/ I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX XXXX to confirm the validity of the reported late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Financial Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have spoken to Financial Recovery Services several times and was told the debt was discharged and they are no longer collecting on the debt. I called the original creditor and was told I had to speak to Financial Recovery Services. I was told time and time again that the negative remark and balance would be removed from my account as they would not accept a payment. This negative remark has not been removed. I've been told for months it would take one additional month and still nothing.

Since Financial Recovery Services will NOT accept payment as it is discharged, please remove the negative mark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Possible Financial Inc
State: NV
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Several years ago, I engaged in abusive activity with an American Express card, resulting in a ban on obtaining American Express cards in the US. I acknowledge the gravity of my actions and have since made significant personal growth. I have since maintained an exemplary record with my current American Express XXXX account. I am committed to responsible financial behavior and kindly request this context be considered for my application reconsideration. I am prepared to provide further details if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXXTransunion credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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 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