BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: Bread Financial Holdings, Inc.
State: NY
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 ordered the merchandise on XX/XX/2021 with XXXX XXXX  run by Comenity Bank for clothes totaling for the amount of {$260.00}. The merchant promised to deliver the merchandise to my address, but the merchandise was never delivered to my address to date. When you click on the tracking number linked with this order it seems the date given for merchandise was on XX/XX/2021, which does not coincide with the date I ordered my clothes which was XX/XX/2021 ( a month after the XX/XX/2021, date above ). The link is a XXXX  link for tracking number, so I called XXXX and explained the situation and gave the tracking number to XXXX. XXXX  informed me the tracking number is not listed under my name nor my address. None of the information linked to XXXX  is related to me so it is impossible for the delivery to be me nor the clothes I ordered. I received a bill from XXXX XXXX  last week and included a charge on the bill for those clothes I never got. They charged me clothes I never got. I been trying to straighten this out with them for a couple of weeks and have gotten the run around. I have been put on hold for an hour the hung up on, switched from one person to another, given invalid phone numbers to call charged for items I never received on my recent bill, and it seems they do not have a Billing Dispute Department since they refuse to give me information on that. I requested they that the error be corrected, that any finance and other charges related to the disputed amount be credited to my account, and that I receive an accurate statement. I was not given an initial delivery date nor was I never notified of a delay in my delivery. I found the later by going to the website and saw there. I was never given the opportunity to cancel my order or give a refund. All I have gotten is the run around with no help to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Kriya Capital, LLC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX just recently removed a false report from my account and now have dug up another paid account onto my report affecting my credit score. It took several months for the information disputed to be corrected and now I have to go through this again. I feel this is some sort of reprisal for submitting my complaint through the CFPB. I WANT MY CREDIT SCORE UPDATED TO REFLECT CORRECT INFORMATION AND I WANT THESE FOLKS TO STAY OUT OF MY REPORT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear CFPB My case is simple and short. I asked a cashier check from my XXXX XXXX XXXX XXXX account and the other side of the street deposited to my Citibank checking account. After I deposited they transferred my money the very same moment fom my other bank. After this transaction made 3 days later tried to send $ {$300.00} with XXXX from my Citi but did not worked. Called the bank and after XXXX XXXX  chat they told me absolutely no any issue with my XXXX and they have no a knowledge why I can not send this small money to my wifes account. After this conversation my Citi online access was blocked and closed my account. Next day tried to ask my XXXX back to take it back my other bank. They refused give me my cash back. Refused to give my and the XXXX XXXX XXXX XXXX help. Absolutely no answer. Probably some employee made a mistake what I have to pay. 
Not giving any answer on phone or in the branch office, no information why they holding my money since XX/XX/2023. Please help if it possible, I raelly had to use that mone for business purposes. Thank you! 
Best regards : 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 2022-05-24
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was talked into getting a Truist Bank home equity loan By my branch. I took the loan with the understanding that according to my loan originator XXXX XXXX, Who gave me all of the options and I chose to have a fixed rate for 15 to 30 years at 7.54 % that was supposed to be for the full loan. I went ahead and started using some of the money or some of the loan and everything was fine until I did my sixth amount then they changed it to variable. Truist said I could only use it 5 times. When I requested to the my branch to fix it they said they would add the last two together which would go back to five and then they would change it back to fixed once that was done. The main branch or the corporate office changed it back over from variable to fixed and then they raised my interest rate to 10. 02  %. I have been trying for a month to get this fixed back to the correct interest amount and the corporate office says they are allowed to raise the interest whenever they felt like it, to the interest level of the government even though my contract says fixed at 7.54 %. They told me today that the branch manager is the only one that could change it back to the 7. 54 %, however the branch manager XXXX XXXX will not return my phone calls will not speak to me and even will not talk to the branch itself when shes not there and will not do anything to help me and this is been going on for a full month Im sick of dealing with them and they need to fix what they screwed up.

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 2023-07-13
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I made a {$2100.00} payment on my Citi XXXX credit card. The balance on the last statement was {$21000.00} which included a {$16000.00} Flex Plan advance at 9.99 % interest that we obtained in XXXX for purchasing an auto for a minimum payment of {$360.00} per month and included approximately {$4500.00} in balance transfers with 0 % interest. On XX/XX/XXXX, a {$1700.00} promo balance transfer was due but because of Citis policy of applying anything over the minimum payment to the highest interest rate, I made the payment after XX/XX/XXXX because the interest then went to 20.99 %. I looked at my account today and Citi applied all the payment to the Flex loan instead of the promo balance transfer and when I called Citi, spoke with XXXX, she told me that she could not change the application of the payment because how the payment is treated is really based on the closing date of the last statement. According to XXXX although the balance transfer interest rate went to 20.99 %, I would have needed to wait to pay that higher interest rate promo balance until after the closing of my XXXX statement thereby incurring accrued interest on the {$1700.00} from XX/XX/XXXX to closing. I brought to her attention that my statement and their disclaimers about how overpayments are treated do not include anything about statement closing dates in relation to payments applied to the highest interest rate. She disagreed but said she could give me a deal by making my interest incurred since XX/XX/XXXX go away and she moved the {$1700.00} to a new 0 % interest promo date of XX/XX/XXXX. I told her I would take that because otherwise I would incur interest on the promo but that I was going to file a complaint because I suspect I am not the only person who has dealt with this at Citi. Buyer beware, even if your promo expires, and you go to a higher interest rate, any overpayment will not be applied if you have a lower interest rate on your card. Citi needs to apply payments to the highest interest rate balance in accordance with its own disclaimers and statements.

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 2022-05-24
Company: Block, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I've requested full transaction history under current cash tag, $ XXXX, as well as prior cash tags via email to XXXX, rep with Cash APP, no information provided.. The rep requested current cash tag, email address, mailing address, all of which were provided, nothing received back. I do not have prior cash tags available, however, my email address as well as mailing addresses were provided. The information including full transaction history is required in order to locate fraud transactions which cash app will not resolve in obtaining funds back. The transactions in question were reported to cash app, their extent to investigating includes requesting money returned from receiver, once denied, cash app does nothing further..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U-S-C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

15 u.s.c 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: TN
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 am a victim of Identity theft. I did not make these these charges indicated with the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see the Verifiable Proo you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. This account has been settled and paid. 
DEPTEDXXXX  Account NumbeXXXX : XXXX Please remove it from my credit report. 

3. This account has been settled and paid. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. This account has been settled and paid. 
DEPTEDXXXX Account Numbers : XXXX XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 2022-07-12
Company: EQUIFAX, INC.
State: IL
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:
i have multiple inquiries on my report that i do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: TX
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. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at the time the account was opened. XXXX XXXX XXXX XXXX XXXX 
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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Dear CFPB, Compass Bank has manipulated the dates of the transactions that are the subject of my original Submission, case # XXXX. Those transactions took place over the course of many months during XXXX on the account ending in XXXX. NOT in XXXX XXXX as the letters that came in the mail suggest ( attached ). The bank closed that account because of the fraudulent activity and opened the new account ending in XXXX. My original submission shows all of the activity and the dates. I 've also attached a dated copy of some of those fraudulent withdrawals. My original submission shows that Compass Bank admitted the transactions were their errors. After disputing those transactions Compass Bank reimbursed my account {$130.00} and I never heard anything else from them about the remaining amount due to me. Since then, In one year Compass Bank has inappropriately charged my account {$5100.00} in NSF and OD fees. I have attached all new correspondence with Compass Bank. I drained my savings account trying to keep these NSF and OD fees from growing even more out of control. A family member told me about Consumer Financial Protection Bureau. That is when I contacted You for help. I stopped using the account because it had already been charged more fees and was in the negative again ( - {$890.00} ). 
After CFPB contacted Compass Bank they make it look like they are reimbursing the money that was owed to me from XXXX. When in fact all they did was reduce the amount of inappropriate NSF and OD charges that were caused by them not having returned my money at the time of my dispute in XXXX. The only thing this money did was put my balance to {$0.00}. I really was n't reimbursed at all. They have now changed the date of those original unauthorized debits to XXXX XXXX, XXXX in order to confuse the situation and get out of reimbursing the {$5100.00} in NSF and OD fees taken since XXXX of XXXX. Then they closed my account. 
In the letters that I received from Compass Bank, they changed the dates of those errors from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Therefore they investigated the NSF and OD fees that occurred since XXXX XXXX, XXXX and sent me a check for {$42.00} and said this case was closed. 
This is blatant theft and I want all of the NSF and OD fees and the unauthorized debits that they have taken from me beginning XXXX of XXXX and I want it back in the same order that they took it from me. I want {$5100.00} that I was charged for nonsufficient funds and overdraft fees. Then I want the unauthorized debits that they took in XXXX - XXXX. 
Please help me recover all monies that Compass Bank took from me. Please do n't let them get away with this. I am an old woman that lives on a fixed income. The money that Compass Bank took from me was inappropriate. 
I am asking for your continued support in helping me recover all of the money that Compass Bank inappropriately took from me. 
Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1. A am a victim of Identity Theft and have filed a report with the FTC.

2. My Name, SS #, and Date of Birth were stolen, and the thief was allowed to add a fraud XXXX email account, add another phone # and address to my XXXX Credit Report, and were able to obtain a Credit Card in my name mailed to the address they added to my Credit Report. 
3. I called XXXX  today after checking my report to make sure corrections were made and I do have a 7 year free credit report alert monitoring - which I confirmed - I have a " Pin # '' which I would need to use if I needed to get information - or unfreeze - my credit report - XXXX   did not ask me for this information - which I thought was concerning - since this is supposed to protect me. 
4. I have opted out from receiving any direct mail from banking agencies etc. as well as other direct mail over a year ago. 
5. Although I am not receiving those, Companies are STILL ALLOWED TO MAKE " soft inquiries '' and get my CREDIT REPORT. 
6. XXXX will NOT stop " soft inquiries '' without me sending more " personal '' information - including - Driver 's License, Bank or other type Date of Birth, etc. in writing - I do not feel I should have to mail them MORE personal information. 
7. I do not want anyone checking my credit report for any reason without my permission. 
8. I don't think any of the requests should be allowed or honored - this is an invasion to my privacy which has already been compromised. 
9. XXXX  and Equifax indicated that existing creditors are allowed because of the CRA Credit Reporting Act can continuously look at my report - EVEN if I am never late and have a great credit score. 
10. XXXX said I can OPTOUT of these inquirie in # 9 - by furnishing in writing the more intense " personal data ''. 
11. SO THERE IS CONFLICTING INFORMATION GIVEN TO ME - IF THE CRA IS ALLOWING THIS - IT SHOULD BE STOPPED - AT LEAST FOR THOSE OF US THAT CONTINUE TO HAVE GOOD CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage loan with Bank of America on XX/XX/2022. The closing date I was given was XX/XX/2022. I began the process of submitting all necessary files the mortgage agent. The goal post was constantly moved and the demands request by Bank of America were extremely contradictory and inconsistent. They made serval attempts to deny my loan but could never fully articulate to me what was the reason for denial. They waited until the day of closing to deny my mortgage loan. While failing to state what the reason for denial. Based on the actions of Bank of America, I am under the impression that I have been discriminated against. I wrote a 5-page letter direct to a Vice President Lending Market Leader. I will attach said 5-page letter.

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