BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-10
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
was solicited to open platinum credit card. After the required spending, they " froze '' my points

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have used my XXXX XXXX credit card since XX/XX/XXXX, but closed this account in XX/XX/XXXX after paying a final balance whihc was under {$10.00} due to an annual fee. I have been trying to refinance my home and was advised to pay off entirely and then close this credit card in early XX/XX/XXXX. I used the card for the final time to purchase gas in XX/XX/XXXX. I then paid the entire balance in XX/XX/XXXX down to {$0.00}. I called the company and notified them I wanted to close the account and I was advised I had to pay the XX/XX/XXXX annual fee. I was then charged an annual fee of {$8.00} in XX/XX/XXXX with .XXXX cents in interest, I made a payment then of {$8.00} to pay off the balance entirely again on XX/XX/XXXX and again stated I wanted to close the account. I do not receive e-mails or hard copy mail from XXXX XXXX Credit Card Company and other than monitoring to make sure my balance was XXXX on my credit report I did not check the company website for statements as I had requested twice that the account be closed. Then without any notice the company kept my account open and on XX/XX/XXXX charged me another annual fee of {$8.00} and also a late fee of {$8.00}, again I received no billing, no statement was sent to me, I was not using this card, and had closed the account. Then this company charged me another series of late fees including a {$25.00} late fee and more annual fees totaling a {$59.00} balance ( none of which was me actually using the card on this supposed to be closed account ) and then reported to the credit agencies that I was delinquent in the payment. I have been in the hospital at XXXX XXXX 's in XXXX XXXX for XXXX complications since XX/XX/XXXX as my water broke at 29 weeks gestation. It was here in the hospital, where I will remain for another 2-3 weeks until the birth of my child, where I was notified by Experian credit monitoring that this account was never closed and this company has been charging me repeated " annual '' fees and late fees and reported my account as delinquent. I have not used this card in months and have repeatedly made attempts to close it and have always paid every balance to {$0.00}. I immediately paid the balance of {$59.00} despite believing it to be fraudulent in the hopes of protecting my credit and having the negative reporting reversed. I have called the company and spoken to numerous " supervisors '' and my requests to have this rectified have been " denied. '' I am attaching statements I got only from logging in to the website these statements are screenshots and were never sent to me in any form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018 @ XXXX I had checked my bank account to confirm my balances and I had a large positive balance. No fees. 

On XX/XX/2018- 4 transactions hit my account at same time. At about XXXX, the processed a {$850.00} check, a bill pay on a utility, direct deposit and overdraft fee. 

To me the overdraft fee shouldn't have been applied because despite the bill transactions including the direct deposit there was more than enough money available to cover both transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
Spoke to the owner - informed him about the hard inquiries and explain that he only ran my credit one time. I explained that their are 17+ hard inquiries, he said he will call be back. I left him a message, that I wanted a refunded for his services and to remove those inquiries since I didn't give them any consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: AZ
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 called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : XXXX XXXX XXXX, XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX/XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, W2, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these items are inadvertently resulting in me being extorted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I got a new job offer XX/XX/XXXX and was told after my background check that unfortunately I did not pass the background check because of information on my XXXX report. 

I requested the report on XX/XX/XXXX and found that Bank of America reported that my bank account was closed for " suspected fraud activity. See below for the details of the report. 

I wrote a dispute letter to XXXX on XX/XX/XXXX and I got a response on XX/XX/XXXX from XXXX that the information had been verified accurate by Financial institution. They did not provide any details on the fraud that was perpetrated and all calls to Bank of America was met with numerous call transfers and them telling me that they can restrict or close your account at any time, for any reason or no reason. 

This information has prevented me from starting my new job and has cost me lost wages. I need help to fight this erroneous information on my report. 

Account Closed by Bank Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXX, FL XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX Date of Closure : XX/XX/XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Lien Enforcement Inc
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a recorded call from XXXX that claimed she from a debit collection company and says the conversation will be recorded. Then the recording asks me to pay the debit by entering a payment method and account number. I have never received any such prior notice. I have never not paid any money owed to anyone. 
I responded with This is a scam and I will report this call to the police and appropriate authorities. Then I ended the call and blocked the number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: PNC Bank N.A.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter ( dated XX/XX/XXXX ) from PNC Bank titled " Required notices regarding the Private Mortgage Insurance ( PMI ) on your loan. '' This letter provides two methods of how PNC will cancel the PMI. The two methods PNC Bank provided in the letter are : a. request to cancel PMI b. Automatic cancellation of PMI Page two of this letter states the two requirements for automatically canceling the PMI. The first requirement says that when my loan 's principal balance reaches 78 % of the property 's original value. I contacted PNC In XX/XX/XXXX requesting the automatic cancellation of the PMI based on the information PNC provided in the first requirement of the page two letter dated XX/XX/XXXX. The PNC agent informed me that the PNC Bank would cancel the PMI automatically. Also, I told the PNC agent that the PMI should have been automatically canceled in XX/XX/XXXX since my principal balance has attained 78 % of the property 's original value. Also, I requested PMI reimbursement from XX/XX/XXXX, when my principal balance reached 78 % of the property 's original value. The PNC agent acknowledged and stated that the PNC Bank would process my request for the PMI automatic cancellation. 

In XX/XX/XXXX, I did not see the reflection of the PMI cancellation on my mortgage account and requested automatic cancellation of the PMI based on the letter dated XX/XX/XXXX. I contacted PNC Bank concerning the PMI automatic cancellation. I provided the information in the letter dated XX/XX/XXXX and the information the agent told me in XXXX to the PNC Bank agent. This agent stated that the amortization schedule will not trigger the automatic cancellation until XX/XX/XXXX, and the principal reduction payment will not qualify for automatic cancellation. Also, I requested the amortization schedule, and the agent stated that PNC Bank would not provide the amortization schedule to me. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from PNC Bank stating the PMI would be removed in XX/XX/XXXX and I should provide proof that my property value supports an LTV ratio of 80 % before the PMI can be canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Same thing happened to me! They said that I had to file a claim AFTER the purchases cleared! I got a hold of the company where the purchases were made and they refunded the money as I caught the transactions the day they were made. So, I got the refund, but my card was cancelled due to fraud. I paid the {$20.00} to have it expedited with 2 day delivery. It has now been 4 days and still no card. Not only that, but now I can not get a hold of a live person because my card has been cancelled. When I select the option to see the status of my new card, it says they temporarily can not help and it hangs up I honestly think that someone has hacked their computers because I am finding a lot of people have had their accounts drained by fraud in the last month.They said it was probably because I have used my card online to order things. But, I have NEVER used my card for any online purchases!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citi promised a XXXX bonus, but only credited my act. for XXXX. I opened a dispute on XX/XX/XXXX and was told it would be resolved within 5 business days. I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX only to be required to open a dispute again. It has taken hours to get this resolved with no end in sight. Many calls are dropped while waiting for a supervisor, and customer service has no answers. I followed all requirements and Citi 's own customer service representatives agreed yet only 50 % of the promised bonus has been credited. It is difficult to hear the rep 's who are primarily located in the XXXX, and there are no U.S. representatives, so communications are difficult at best. Citi Bank currently has a 1.2 star rating out of 5 with 94 % 1 star on " XXXX XXXX '', many many angry consumers coming your way, now do something.

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 2022-06-06
Company: Debt Recovery Solutions, LLC
State: OK
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States l 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Bank of america said on XX/XX/2023 that my deposite of XXXX $ would have hold placed on it ..they stated in the bank at teller that XXXX $ would be accessable on XX/XX/2023 and rest of XXXX $ would be accessable on XX/XX/2023 but when i checked and asked live chat on my bank app why i cant access my funds they told me now check has hold untill XX/XX/2023 all of it cant be accessed untill then? This check is from a wildfire settlement fund of upwards of XXXX XXXX dollars ... all it takes is 10 minutes by phone to verify my funds..the money is there they r just playing games on me... i need my funds asap i have a kid and we lost all we own in fire we sleep in tent the money needs to be accessable asap so we can get into a house!!

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 2022-06-06
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act converging account numbers have violated my rights 15 U.S code 1681 602H I have the right to privacy. 

15 U.S code 1681 604A section 2 Consumers can not furnish an account without my written consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Had a XXXX XXXX and last Cable was paid by power of attorney but not fully. Called The company and they said any collection activity would be retracted. They are saying the item was deleted but XXXX  and Transunion are still reporting. The trade line should have Been deleted if not deleted then updated. I even disputed and they came back as accurate but it is not as it has been paid in full and even received an email for a credit back to my account from the company. XXXX  and Transunion are not reporting accurate information.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: GA
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 and the united States Code the following XXXX  accounts has violated my rights. 

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 XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX 15 U.S. Code 1681a ( 4 ). States I have the right to privacy.

15 U.S. Code 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions

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 2019-03-30
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Hi .... My name is XXXX XXXX. On XX/XX/XXXX, my employer had to send my pay thru XXXX. They had left town and forgot to give me my check. So, therefore I opened a XXXX account. I was told that I could transfer funds instantly to my bank account. Unfortunately my bank was not supported by XXXX. So, I set up my boyfriend ( XXXX XXXX ) a XXXX account, transferred funds to his XXXX  account. Which i was not able to transfer the {$2000.00} balance I had. I was only allowed to tranfer {$290.00} .He tried giving them his debit card information for an instant tranfer and was declined, although XXXX approved his bank to do so. So we went the other route of doing a checking transfer and funds would be in his banking account in 1 - 3 days. His transfer was accepted by XXXX. He received an email from XXXX   on XX/XX/XXXX stating that his account was frozen due to suspicious activity and I also received the same email. Needless to say we didn't receive that money til the XXXX. On XX/XX/XXXX I tranfered {$700.00} ( that was all I was allowed to transfer ) to a friend of mine ( XXXX XXXX ) who had a XXXX  issued debit card. The money transferred successfully. Went to withdraw money from ATM and transaction was declined. So XXXX XXXX called XXXX and they stated that it happens sometimes and to try again. And if that didn't work to go to a store And make a purchase and request cash back. Tried ATM again with no success. So went to XXXX   XXXX made a purchase and it was accepted but was only able to get {$40.00} cash back. After that went to get gas with the same XXXX card that was used was once again declined. I ( XXXX XXXX ) still have {$1000.00} in my XXXX  account that I can not access. I can not even transfer it to my boyfriend 's ( XXXX XXXX ) XXXX  account because now ( on XX/XX/XXXX ) they say his account was deleted on XX/XX/XXXX. Not sure how that is possible because I transferred the {$290.00} in his account XX/XX/XXXX. And by the way, you can't speak to anyone that can give u answers. You are told that You would have to E-MAIL customer support. So pretty much XXXX  still has a big amount of money ( 7 days later ) that I worked hard for, cleaning a fraternity on XXXX campus. And their customer support is not available on the weekend. So it could be Monday or Tuesday before I get a reply. Bottom line, this so called company should not be able to keep my money and tell me I have a weekly spending/transfer limit. I earned that money and should be able to spend it how and when i like.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I asked for my name to be corrected on my credit report. Although the company changed my name, the change is incorrect because it omits the hyphen and makes it appear as a different name. It should be exactly as it appears on my Driver 's License ( my legal name ), which I sent to them. It is not. I also asked for my address to be corrected. The correction made the error worse. Because these items are incorrect, I have not been able to open an account with on-line banks which offer highest savings interest rates. The banks have told me they can not verify my identity, which they do by checking one or more of the three main credit reporting services.

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