BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at XXXX I deposited anywhere from XXXX ( I counted it before I left but not right at the atm ), the atm said unable to read bills ate my money and only spit out two bills ( a {$100.00} bill and a {$20.00} bill ) and said would you like to do another transaction. I said yes and redeposited the XXXX thinking the whole amount will reflect on my receipt. It was not only the {$120.00} was. I am on camera putting in a stack of cash and only getting two bills back, also on camera saying hello is anyone here the atm are my money then I sit in the atm room for an hour on hold with the claims department. They keep denying my claim and are refusing to look at the atm footage. The supervisor today of the claims department refused to give me his last name but his name is XXXX and he is the supervisor at the Citizens Bank contact center in Pennsylvania. The actual bank which is on XXXX XXXX XXXX ny. They said they can not review the footage but the claims department can. I asked XXXX of the claims department to do that and hes refusing. Im not sure where else to go so I decided to escalate it to here because he refused to give me the corporate office number or let me speak to his superior. Citizens bank has taken atleast XXXX dollars from me. Ive reached out to them maybe 20 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Experian Information Solutions Inc.
State: KS
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 have sent 3 rounds of disputes! With ZERO updates at all. Over the course of the last 2 months I havent had any of the fraudulent information removed at all! I am hoping you can force the bureaus to take my disputes seriously! 


XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXX These inquires where not made by myself! They are fraud!

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 2021-01-03
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We recently refinanced our home with our local Bank XX/XX/XXXX XXXX. They sold our note to AmeriHome Mortgage, XXXX. XXXX XXXX, XXXX, NJ XXXX. 

I have repeatedly tried to get logged into my account to make payments and set up auto pay and have yet to be able to do so. Part of the problem is that there is conflicting information as to who is actually receiving the payments. There is some association with a company named XXXX and there are two different websites that are very confusing. Every time I try to enter or register the sites say they can't find our information. I have had to call and sit on hold during my work hours for extended periods of time and still haven't had my problem resolved. I end up making a payment by phone, which usually involves additional fees, but when I complain profusely they waive the phone fee. I want to get this account set up on auto pay, because I don't want to incur late fees or miss a payment and it seems like the company is doing nothing to fix the problems so that I can get this done. 

I would like the mortgage holder to give me a clear explanation of who actually holds the note, and get my account set up to be paid online without confusion as to who is receiving the payments. 

Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Westlake Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am requesting that Westlake discontinue furnishing information for account WESTLAKE XXXX due to the account being over 7 years old. XXXX is also reporting the account as " unrated or bankruptcy '' which is further hurting my credit rating. This account was never a bankruptcy account and the Date last active as well as the close date was XXXX. I am requesting that this account be removed within 21 days due to FCRA violations and negligence. At this time, I will not be seeking litigation, but I will be moving forward with small claims court if this incorrect reporting is not updated.

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 2023-01-26
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I'm not sure if I'm in the correct category. 

Company : Coinbase Inc. 
XXXX XXXX XXXX. 
# XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have had an account with Coinbase for many years, but in the past few months they have created a situation that makes it next to impossible to get my funds out. They say, " It's increased security for your good! '' That would be fine if it was even close to workable. They repeatedly lock/block me from using my account for no reason. You can never reach anyone above the first level of support and are always promised the next level up will reach out via email. Those emails never come! 

A XXXX  of weeks ago I spent XXXX hours on the phone desperately trying to get my account unlocked. The individual insisted I needed to change my phone setting to get a clear picture. Each time I'm locked out I need to take a selfie holding a piece of paper with the statement, " For Coinbase Verification Only '', while holding my drivers license. While this may seem simple it is far from simple as you need to have the drivers license and your face in focus. I couldn't find a setting he repeatedly told me to change so I asked what type of phone he had. He sated he had an XXXX, I also have an XXXX. I asked him to open his camera settings and guide me to the setting that required changing. He replied, " I don't have that information! '' That's just XXXX of many examples of how they refuse to help their customers. After about XXXX tried he stated he had an exceptable photo, but the system refused it because of too many attempts. 

I waited a XXXX  of days and tried to log in, couldn't and waited a XXXX  more. No email arrived ever. I kept trying. I finally got in yesterday and was able to move some assests out to other accounts. 

This morning I woke up and discovered I was once again locked out of my account and the wa an email with instructions on getting unlocked. I had to take photos of front and back or drivers license and a selfie. All photos were crystal clear, but their system once again rejected them. 

I called and spent almost an hour on the phone going round and round with the guy. He was supposedly back and forth with the next level support person. He finally told me to wait for an email from the higher support which would arrive in a week or so. 

This attitude toward customers where personal finances are affected is irresponsible and should not be allowed. 

Please get my account unlocked so I can move my funds elsewhere and close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: LEXISNEXIS
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Good morning : Approx. In XX/XX/2023, I sent a dispute requesting to remove bankruptcy from my report for inaccurate information. XXXX XXXX states that the U.S Bankruptcy Court reported to them that I have a bankruptcy and that it was accurate information. Therefore, they will not be able to remove this information. I have received a letter from you. United States Bankruptcy Court stated that they DO NOT report any information to ANY consumer reporting agencies. This is a fraudulent act of using my information illegally and a right to consumer privacy. Please be so kind as to see 15 USC 1681a ( 4 ) and 15 USC 1681 I ( 7 ). Therefore, there is a willful non-compliance 15 USC 1681n with the consumer agencies XXXX and LexisNexis because there is a refusal to remove the inaccurate information from my account. Please see 18 USC 242. Secondly, LexisNexis is reporting personal auto policy information such as my driver 's information, address, car information, and family members without my knowledge. I am requesting that these consumer agencies delete the information in this complaint immediately from their reports. 



Thank you for your help in this matter. 



XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: R.M. Galicia, 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:
They said they would do an investigation but then they still reported the items. I asked how they investigate and they said " we call the collector and verify your name and DOB '', I then asked if they asked for proof like signatures, identification or anything else and they said " no ''. How is that an investigation??? Of course whoever they call will give them my name, social, DOB because that's what they need to report it!!! 

These items are so-called medical, which I think I would remember getting medical attention. Obviously it's not mine and XXXX is refusing to investigate properly and make sure the information they are providing to people is accurate. Clearly this is in violation of my rights. 

And clearly these are creditors that are preying on people trying to get them to pay and hold their credit ransom. When I call them they refuse to show proof too. I will reporting them separately. 

They refuse to investigate because these people are paying for their services. 

Here are the 3 accounts in dispute : Acct # XXXX Collection Agency : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Amount : {$2300.00} Acct # XXXX Collection Agency : XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$860.00} Acct # XXXX Collection Agency : PROGRESSIVE MGMT SYSTEM Original Creditor : XXXX XXXX XXXX XXXX Amount : {$1800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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: Information belongs to someone else

Complaint:
XX/XX/XXXX I was notified that my info was breached in the XXXX XXXX XXXX and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of XXXX credit bureaus have complied and has been going on almost XXXX months without any help. 15 U.S.C 1681 and the FRCA act, everything must accurate and fair. The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft XXXX  and the XXXX XXXX XXXX forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. The XXXX bureaus continually still shows XXXX different address, names, dob and erroneous and fraudulant accounts on my report. This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. I will resort to making a thorough complaint also to the XXXX  if these accounts are not deleted. 
I have enclosed FTC XXXX  to request the erroneous errors be removed. 

XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX {$6200.00} XXXX XXXX {$2100.00} XXXX XXXX {$3100.00}

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 2023-01-16
Company: CITIBANK, N.A.
State: VA
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:
Here is what happened and what I have done to try to resolve it : The problem : In XXXX, I took a ten-minute, one-mile taxi ride while on vacation in XXXX. I used my Citicard to pay. The payment took a long time to go through while I was in the taxi, and I was in a hurry and neglected to get a receipt. When I got home and saw my statement, I saw he charged me {$2000.00} for this taxi ride. 

As soon as I saw my statement, I called Citicard to explain what happened and dispute the charge. Citicard asked for a receipt, which I didn't have. I explained to Citicard that I wasn't disputing whether a charge should've happened, I was disputing the amount. Any reasonable person would agree that this taxi driver overcharged me by about {$1900.00} either on accident or on purpose. At a rate of about one XXXX per mile, this charge would've meant we were in a taxi for 2,000 miles, which would've been nonstop driving for 24 hours. Any reasonable person could agree this did not happen and we can prove it didn't happen by proving our activity with that credit card, and other credit cards, in the 24 hours prior to this charge. 

Citicard denied my dispute. 

I appealed, and provided the letter I attached to this file which provides a detailed description of the events leading to that taxi ride with backup notes, and ample reasoning behind this being a bogus charge. 

Citicard then told me they reached the merchant -- the taxi company -- and told me they were able to confirm the charge. The merchant provided a receipt to Citicard, which I never received nor did I sign the day of the charge. The receipt Citicard received from the merchant does not include metered miles or time in the car or my signature. 

Citicard closed their investigation and continues to hold me responsible for this charge. 

The bottom line is this taxi driver either knowingly or unknowingly overcharged me by about {$1900.00}. He needs to be held accountable for this error, not me.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXXXXXX 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 XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A : states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 non-monetary relief
Consumer complaint received 2023-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I initially applied for a credit card email offer, but did not receive a confirmation or response. I remembered my credit is frozen, so I unfroze it with all XXXX bureaus and tried the application again. That second application was then declined because it said I already had an application in process. Then the first application was also declined because it said I had another application in process. My application was declined without review or consideration due to the system already seeing the duplicate application and has been stuck in this loop. Ive called customer service several times and they say they have no way of fixing this or escalating the issue. I would like to have Application ID : XXXX properly reviewed and issue an actual evaluation of whether or not I should be eligible for the offer that was emailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I was a victim of a fraud scam on XXXX for concert tickets and a fraudulent XXXX transaction. The XXXX XXXX was made on a friends XXXX page ( XXXX ) that the involved parties know personally. The XXXX account the money went to for concert tickets matched the same name of the friend we thought we were talking to. We were under the impression that we were corresponding with our friend as well as her correct XXXX account, as the names matched. We sent the payment of {$1200.00} for the 4 tickets and shortly after we were made aware that this friends XXXX page had been hacked and there were no concert tickets being sold. I feel that the bank should offer more protection with transactions because how was I able to know I am not sending to the correct person when the name of the XXXX account was registered to the same name as my friend I thought I was corresponding with. We never received any tickets, or any money back from the person who hacked my friend XXXX and scammed me and possibly others. My bank, US Bank, denied my fraud claim. I have filed an appeal and am awaiting a response. They have not asked for any evidence that I could absolutely provide to help the investigation and prove this was fraud.

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 2021-01-12
Company: Ernst, Ernst & Artmann, 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:
They said they would do an investigation but then they still reported the items. I asked how they investigate and they said " we call the collector and verify your name and DOB '', I then asked if they asked for proof like signatures, identification or anything else and they said " no ''. How is that an investigation??? Of course whoever they call will give them my name, social, DOB because that's what they need to report it!!! 

These items are so-called medical, which I think I would remember getting medical attention. Obviously it's not mine and XXXX is refusing to investigate properly and make sure the information they are providing to people is accurate. Clearly this is in violation of my rights. 

And clearly these are creditors that are preying on people trying to get them to pay and hold their credit ransom. When I call them they refuse to show proof too. I will reporting them separately. 

They refuse to investigate because these people are paying for their services. 

Here are the 3 accounts in dispute : Acct # XXXX Collection Agency : XXXX XXXX XXXX XXXX Group Original Creditor : XXXX XXXX XXXX XXXX XXXX Amount : {$2300.00} Acct # XXXX Collection Agency : XXXX XXXX XXXXXXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$860.00} Acct # XXXX Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Amount : {$1800.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2023 I received an email saying I applied for a Chase Sapphire Preferred credit card, which I did not apply for. The email does not appear to be a phishing email. I contacted Chase since this has also happened to a member of my household twice in the past 3 months and they could not provide much details just that someone maybe stole my identity. However, I dont believe its a coincidence that this is only happening with CHASE BANK . They agreed to close out the application and contact all credit bureaus to have the inquiries removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2022 I opened 2 CD accounts in response to Citi offer of 4+ %. In fact rate was reduced to 3.68 % with no explanation or notification. 
I talked to account manager, she told that nothing can be done about it. 
Please help to resolve this situation.

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