BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
There is a hard inquiry on my report from Bank of America as of XX/XX/15. I contacted the company directly and they informed me that they do not see an inquiry. I contacted XXXX and they advised I would need to contact Bank of America to have it removed. I did not make an inquiry for credit or any other service from Bank of America. This inquiry is violating my right to accurate reporting.

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 2024-01-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have provided a FTC affidavit and put this company on notice and this company admitted in the resolution they sent that they some inconsistencies on their reporting on the consumer report then in the next line state they found no error this is a violation and admission of damage and fault to my estate. I demand this account be removed immediately. I am a victim of identity theft and this company has open admitted to giving false and inaccurate information to all three credit bureau. This is security fraud Wellsfargo is doing. I have already been contacted with local lawyer about each consumer violations and im thinking about hiring them if this is not fixed immediately. I have put wellsfargo on notice. This company stated multiple lies and inconsistencies but the fcra says a report must be 100 % accurate but this company has failed in doing so. Plus a certificate of indebtedness as this company has admitted should never be reported to the credit bureau because it would be income but the real facts in the matter is this company is admitting to violating my consumer rights and participating in identity and security fraud. I as for the account to be remove/blocked/deleted not for this company to update their already wrong and inconsistent reporting which is a violation of my consumer protected rights. I have included this companies response to the first complaint In this complaint this will make XXXX times I have put this company on notice for the record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: U.S. BANCORP
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank and company doesnt want me as a customer or to have be approved for a credit card Ive applied countless times and have always been denied being told they cant verify me I recently applied for a secured credit card they gave me a hard time to verify me and my information I have a fraud alert on my credit report which they have to speak to me to have it cleared they refused to do so and said XXXX XXXX this is very rude and not how I should be treated when coming to apply for a secured card

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 2024-01-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was given a credit card with Home Depot with the understanding it would be 2 years interest free. I assumed the interest would start after the 2 year period which started in XXXX XXXX to XXXX of XXXX. I look at my statement for this month and I had over XXXX dollars added to my credit card in interest and now they want XXXX dollars minimum for .a payment. This was not explained to me when I purchased the heating and air unit 2 years ago. I should owe around XXXX dollars, So now I am hit with an over the credit limit charge and my balance is now XXXX XXXX dollars. I called the company on XX/XX/2024 and filled a complaint to them on line the same day. They have not responded to my complaint just put me on hold when I talked to a supervisor so long I had to go back to work.

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 2024-01-17
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 and XX/XX/2023, I submitted dispute letters and reported disputes to the credit bureaus, requesting debt validation, to ABILITY RECOVERY SERVICES , LLC, seeking information about the validity of one of two accounts they are attempting to collect : 1. Account number : XXXX XXXX XXXX | Amount : {$610.00} Despite the 30-day window provided by the Fair Debt Collection Practices Act ( FDCPA ), I have not received a satisfactory response from the debt collector. 

ABILITY RECOVERY SERVICES , LLC has also persisted in their collection activities, negatively impacting my credit score with the credit bureaus. 

I believe ABILITY RECOVERY SERVICES , LLC is in violation of the Fair Debt Collection Practices Act, specifically regarding the failure to validate the debt within the statutory period and ongoing collection efforts during this time.

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 2024-01-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
THIS BANK VERIFIED ME IN XXXX XXXX THEN THE NEXT DAY AFTER THEY VERIFIED ME FOR ALMOST XXXX HOURS OVER THE PHONE. I SENT THEM ALL REQUESTED DOCUMENTS VIA ONLINE TO VERIFY ME. I WAS TOLD THE NEXT DAY THAT I COMPLETED THE VERIFICATION PROCESS SUCCESSFULLY. THEN BEFORE THEY WOULD ALLOW ME TO SIGN THE PAPERS THEY SAID THAT I HAD TO GIVE THEM MY ACCOUNT INFORMATION SO THAT THEY COULD FUND MY ACCOUNTS. I THOUGHT THAT WAS STRANGE BECAUSE MOST BANKS ALLOW YOU TO FUND YOUR ACCOUNT AFTER YOU SET IT UP ... NOT BEFORE. I FELT LIKE IT WAS A ULTIMATUM. THEN THEIR CUSTOMER SERVICE AGENT ASKED FOR MY DEBT CARD NUMBER AND SECURITY CODE. HE ALSO ASKED ME WHAT THE VALUE OF MY HOME IS WHICH I REFUSED TO GIVE HIM. THEN AFTER THEY GOT MY FUNDS FROM MY OTHER ACCOUNT THEY LOCKED ME OUT OF MY ACCOUNT ONLINE AND SAID THAT THEY DID NOT BELIEVE I WAS ME. THIS AFTER THEY VERIFIED ME AND TOOK MY MONEY. THIS IS FOR A ACCOUNT THAT YOU GET A BONUS. THESE BANKS ARE TRYING TO GET NEW CUSTOMERS THEN THEY TRY TO BE MEAN SO THAT THEY DO NOT HAVE TO PAY THE BONUS. THIS IS A SCAM THESE BANKS ARE RUNNING. THEY ARE TRYING TO GET NEW COSTUMERS FOR THEIR INVESTORS AND THEN TRYING NOT TO PAY THE BONUSES. I HAVE BEEN REQUESTING FOR THEM TO CALL ME FROM THEIR XXXX XXXX SINCE XX/XX/2023.XXXX .NO ON HAS CALLED ME! THEN NOT ONLY WAS THEIR CS MEAN AND RUDE THEY REFUSED TO ALLOW ME TO GET TO MY OWN MONEY AFTER THE TRANSFER. THEN ONE OF THE LAST CALLS I MADE TO THEM IT SOUNDED LIKE THEIR CS REP WAS DOING SOMETHING INAPPROPRIATE ON THE PHONE. I ASKED HIM, " WHAT IS THAT SOUND. '' THEN IT STOPPED .XXXX AFTER HE SAID, " DOES IT SOUND LIKE LIKE SOMETHING RUBBING ON THE PHONE. '' IT MADE ME FEEL VERY UNCOMFORTABLE!!!

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 2024-01-14
Company: CITIBANK, N.A.
State: ME
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please refer to cases # XXXX XXXX XXXX which you closed based on inaccurate information from Citibank. I find it hard to believe that when a consumer makes a complaint, CFPB automatically believes what it is told by the offending company. I am making one more attempt before initiating a lawsuit against Citibank. 

Briefly, an unknown and unauthorized person made multiple charges to my Citibank card on XX/XX/XXXX, which I promptly disputed. XXXX of these charges were honored before Citibank acted to deny the remainder. I subsequently received XXXX packages I had not ordered and promptly returned them to the senders unopened. Despite numerous detailed letters to Citibank, several extremely frustrating phone conversations during which I was verbally abused, and repeated communications with the XXXX retailers, one of the four charges remained on my account. I closed my Citibank account a week after the event, but they claim they closed the account in XXXX of XXXX. They inaccurately reported to credit reporting agencies that I was delinquent in my payments, whereas I had paid everything I owed at the time I closed the account. This has negatively affected my credit. They " charged off '' what they claimed I owed, and now I am being pursued by a collection agency. The incident has had a serious effect on my physical and mental health, and over XXXX months later it remains unresolved. 

After some difficulty, I was able to identify which of the XXXX retailers ( XXXX ) had not informed Citibank that the products I had not ordered had been returned to them untouched. They informed me that their fraud department would take care of the issue, but I eventually received communication from Citibank stating that nothing had changed. 

In addition, on XX/XX/XXXX, an unknown person applied for and actually received a credit card from Citibank using some of my personal information. This was verified during a conference call involving Citibank, an XXXX fraud XXXX, my husband, and myself. Yet, shortly thereafter, I received a letter from Citibank claiming that it was I who had applied for and received the new account. The letter referenced the number of the account that had already been closed. 

I have reached the end of my tether with this company, which clearly cares nothing for its customers or -- more significantly -- the truth. I am asking CFPB for a REAL investigation, not XXXX where it just asks the company whether what the consumer says is true and then sides with the company when the company says the consumer is lying.

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 2024-01-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have provided a FTC affidavit and put this company on notice and this company admitted in the resolution they sent that they some inconsistencies on their reporting on the consumer report then in the next line state they found no error this is a violation and admission of damage and fault to my estate. I demand this account be removed immediately. I am a victim of identity theft and this company has open admitted to giving false and inaccurate information to all three credit bureau. This is security fraud Wellsfargo is doing. I have already been contacted with local lawyer about each consumer violations and im thinking about hiring them if this is not fixed immediately. I have put wellsfargo on notice. This company stated multiple lies and inconsistencies but the fcra says a report must be 100 % accurate but this company has failed in doing so. Plus a certificate of indebtedness as this company has admitted should never be reported to the credit bureau because it would be income but the real facts in the matter is this company is admitting to violating my consumer rights and participating in identity and security fraud. I as for the account to be remove/blocked/deleted not for this company to update their already wrong and inconsistent reporting which is a violation of my consumer protected rights. I have included this companies response to the first complaint In this complaint this will make two times I have put this company on notice for the record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: Autovest, L.L.C.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I am currently being sued by AutoVest LLC for an old Auto debt that has reached statues of limitation for sale of goods. I am also being sued in a state where I do not live, and did not sign for debt in. And they also are suing me without notifying me, or sending any documentation supporting their claim.

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 2024-01-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I was contacted by USAA concerning my credit card. During the conversation, I reiterated multiple times that while I was seeking a resolution to the problem at hand, the solution would not be made through me closing my account. Eventually, the agent made the statement that " [ he ] was making the decision to close the account. I need you to listen and agree to the following recorded statements. '' Given the manner and method in which the statement was given, coupled with the fact that I am already prone to XXXX and XXXX XXXX- something that USAA should be considerate of given that they market themselves to military members who as a group tend to suffer from XXXX and other high stress XXXX XXXX- I understood that I was not offered an option other than to follow the directions issued by the agent. 

I have since contacted the company and requested, asked, argued, pleaded, and every other synonym for them to review the recording of the conversation. While they have agreed that there is a recording of my agreement to the closure, no one will clarify any of the surrounding conversation prior to the closure of the account. The closest that occurs is that one agent has stretched, tremendously, that I previously agreed to the closure when I said " yeah '' after the agent asked " So I understand that you want to be done with everything and close the account. '' Has no one ever taken XXXX grade English and studied the word " ambiguous ''? I wished to be done with the problem that I was contacted about, I did not wish to close my account, which I had made plainly clear in multiple other statements, and which no agent will verify that I said. 

I maintain that they know if they verify my statement that I did not wish to close my account, then they have to admit that their agent acted inappropriately, and every action they have taken since then is punitive against me. Up to and including harassing phone calls meant to intimidate me to stop me from pursuing further actions to have this corrected. 

I have reached the end of my abilities to try to reason with the company. No agent will answer my question of how many times I made plain statement that I did not wish to close the account. No agent can explain how an agent can close my account- in good standing- against my express wishes and stated desires, other than through coercive means. 

Due to the closure of the account, my oldest and largest credit account, my credit score took a XXXX point drop. My other credit cards halved ( or more ) my available credit, and I have been dealing with constant and daily XXXX and stress XXXX XXXX XXXX 

Help, please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: CORELOGIC INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my CoreLogic Credco consumer credit report sent to me via mail.

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 2024-01-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had a one year CD account with Citi Bank, that matured on XX/XX/XX/XX/XXXX After it matured, Citibank said that I have a seven day grace period to make any changes to the account. Otherwise it would automatically renew on XX/XX/XXXX, it stated that in order to close the account I could withdraw the funds. I did not wish to renew the account so I set up an external transfer on XX/XX/XXXX, due to the holidays the transfer would not have been finalized till XX/XX/XXXX which would be two days after the account would be renewed on XX/XX/XXXX. As a result, I called Citibank on XX/XX/XXXX to inform them that I would be making a transferred to an external bank. They offered me to close it on the phone and mail me a check. I stated that I already started the transfer, so I did not wish to have it mailed. I then asked if the transfer would occur after the account was renewed would there be any penalties as a result the agent assured me that there would not be any. I then again confirmed this with the agent a second time. The next day I see that the transfer did not go through. I called Citibank to close the account but they said that there would be a {$220.00} penalty. I tried to make several complaints to get this waived as I was misinformed by the representative, however, the penalty was not waived. I was also informed that the reason the transfer did not go through was because Citibank only allows you to transfer the funds out of a CD into a Citibank account or to mail a check. This was also not disclosed to me by the original agent, either as I did inform them, it would be in an external bank account. This is now two pieces of crucial, misinformation that I was given by that representative it is not fair for me to pay a penalty when I was assured I would not be and also misinformed that my external transfer would be an option to close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09
Company: Sezzle Inc.
State: ID
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
The Sezzle account on my XXXX shows that I still owe {$190.00}. That is not accurate. I have paid that account off in full and closed. It is updated on XXXX and XXXX but Sezzle refuses to update the account on XXXX. I want that removed from my XXXX credit report or updated to {$0.00} as the balance and closed

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 2024-01-09
Company: CITIBANK, N.A.
State: NY
Product: Credit 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:
XXXX XXXX Macys credit card is scamming customers with promotional event balances. I paid my promotional balance in full plus whatever else I charged that month to avoid the deferred interest payment. The following month they told me on my next statement that {$10.00} did not go towards the special event. I fought over the phone, one representative hung up on me when she couldnt explain how if I paid in full really doesnt pay it in full. The next representative tried to say that it goes towards the minimum payment ( {$30.00} ) first which was that {$10.00} more, ( the only charge I made that month was {$20.00} ) not making any sense bc the minimum payment is a recommended amount if you cant pay it in full, its not an actual charge on the card. I think XXXX XXXX Macys is scamming hundreds of people out of that deferred interest payment promotion by playing around with the numbers if the bill is paid in full which mine was there should be nothing leftover on the promotional balance. Please look into this, I have my bill to prove it. The bill that was paid in full with all the explanations of promotional and new balances and the following bill that said I still had {$10.00} outstanding on my promotional balance.

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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ON XX/XX/2022 I WAS AT THE GROCERY STORE AROUND XXXX XXXX. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX # XXXX OPENED : XX/XX/2022 AMT. XXXX XXXX XXXX # XXXX, XXXX OPENED : XX/XX/2022 AMT. XXXX THE FOLLOWING INQUIRIES ARE ALSO FRAUDULENT : XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/2022

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