BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: BARCLAYS BANK DELAWARE
State: NC
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:
Had challenges signing on into the accounts. Had to try over and over and over before the system would let me in even though the correct username and password was being used. 

Also on XXXX, XX/XX/2022, twice I called regarding the promotional offer of 3.99 % on all new purchases including online purchases through XX/XX/2022. Not one customer service person saw this offer. No one attempted to locate this offer. I would activate it over and over without success. At first I was told the offer had expired. XXXX would not transfer the call to see what had happened to the officer that would expire on XX/XX/2022, if I did not accept. 

Since opened this account I have been cheated out of these promotional offers. 
My concern is whether or not I am being mislead and deliberately denied the promotional offers that have been made to me. 

The Corporate office is very rude and refuses to talk to me ; so I have to file this complaint once again. There is a very ugly pattern here that may have to be addressed via other means against Barclays Delaware Bank. It appears to be a very common practice to send me these offers and yet fail to allow me to activate and enjoy these offers.

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 2017-07-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear  Mr.President, Good  Afternoon. Im reaching out because I have a dilemma with my current account. On  XXXX   XXXX , I noticed there was a debit of approximately $  XXXX  in my  Citigold  checking account. After calling up the Citigold line, I was told this was related to a lien from  XXXX   XXXX   XXXX . Heres a bit of the timeline :  XXXX , I receive a notice from the  XXXX  for a potential lien of $  XXXX . Its from  XXXX   XXXX . When my business closed, our balance with  XXXX   XXXX  was {$360.00}.    XXXX , I go to  XXXX   XXXX  court and file an order to show cause. The judge stops the execution of any liens, wage garnishments, etc.    XXXX , I call up Citigold customer service and they told me to contact  XXXX   XXXX   XXXX .    XXXX ,  I  fax over the order to show cause. It states that as of  XXXX ,  XXXX   XXXX   XXXX   XXXX  the  XXXX   XXXX  cant execute any liens, etc.    XXXX , I speak with Citigold relationship manager and puts me in touch with  XXXX .  XXXX  is very nice and helpful and wants to help. She stated she will call me back on  XXXX . I finally receive the bank hold execution from  Citi  ( almost two weeks later ).    XXXX ,  XXXX  calls me back and according to her management, they cant reverse the decision. They stated because they didnt know about the order to show cause, they executed the hold on my bank account. Unfortunately, the court order to show cause stops the lien, freezing of bank account, wage garnishments, etc.  <P/><P/> Why isnt Citi protecting the interests of its customers? There is a clear violation here. If the court order is stopping any action from the plaintiff, why isnt  Citi  helping me? I dont have millions of dollars, but Citi should be defending my interests. Why wasnt I notified electronically of the hold? I am bit confused as to why I am not getting the help I deserve. The plaintiff & Citibank has violated a court order. Regardless of the timing for the execution, I am in the right here. Please get my money back. I 've attached the order to show cause.  <P/> This is a very frustrating experience and annoyed that I have to do all this to get a desired resolution.  <P/> Appreciate your time and help.  <P/> Please contact me at  XXXX .  <P/> Sincerely,  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-14
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
When selling crypto on crypto.com I am not receiving the correct amount. There is an 8 % difference between the actual value of my crypto and the amount that is received when selling. I have tried to talk to there help team and they just give me a generic answer telling me that the price is correct. I have proof that they are not being truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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: Investigation took more than 30 days

Complaint:
I have contacted Experian on several occasions about a reported Bankruptcy that should no longer be reporting. It has reported over 10 years and should not remain any longer. I have sent several letters regarding this issue and I have also called Experian to resolve this issue and they do not respond and It has gone far beyond the 30 day limit. I feel that they are refusing to make the necessary change with this issue since I am failing to get an accurate response from them.

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 2019-10-08
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I currently have two credit cards with XXXX XXXX, I'm monitoring my credit reports and noticed that XXXX XXXX is failing to report one of my credit cards to equifax. XXXX  XXXX is reporting both cards to XXXX and XXXX, but my equifax report is suffering due to the lack of credit history associated with that other credit card. I tried resolving this with them directly to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have request US Bank to closed my account and refund my annual fee. 
They refused to return my annual fee of {$95.00}, claiming I received benefits. 
I inquired what benefits were received? 
They said " you will receive them in XX/XX/2020. '' I declined any future benefits and requested refund since I am not in receipt of any benefits as of request date of XX/XX/2020, they said " you are denied. '' I been trying to close this account through their web site but their site was constantly not functional. ( I have screen captures as proof. ) Their system and procedures have failed and hence hindered me in closing my account. Therefore I requested my refund and they refuse, when it is clear NO benefits were received. And they already closed 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 monetary relief
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2019-05-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019 I sent a dispute letter to Equifax disputing several inaccuracies on my credit report. After not receiving ANY response or update after approximately 37 days, I then sent a letter on XX/XX/2019 concerning the lack of response. Here we are a month later and I STILL have not received any response from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I received a notification from CITI in response to my prior complaint that they would be closing my account and I would receive a check for the balance within 60 days. It is now XX/XX/XXXX and I have not yet received my money ( {$74000.00} ). I have called customer service many times, been told I should see my money in a week or two more times than I can count, and been disconnected upon requesting to speak with a supervisor.

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 2019-08-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of 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 verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX,XXXX/XXXX  XXXX,XXXX  XXXX  (Original Creditor: XXXX) 3XXXX,XXXX XXXX XXXX andXXXX 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 2017-12-30
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sold an item on XXXX via PayPal and the buyer requested a chargeback with his credit card company for {$2300.00} on XX/XX/XXXX, stating the item was not as described. It turns out he made a mistake and admitted the item was working as intended in writing. He also reversed the chargeback with his credit card company and showed me a chat log, in which the credit card company said they sent a " release transaction '' to Paypal but it was never processed ( XX/XX/XXXX). They sent another release transaction as a follow up but Paypal insists they are still waiting to hear from the bank. In the meantime, Paypal 's credit division harrassed me with calls everyday about my - $ 600+ balance as a result of this chargeback and threatened to hurt my credit score. 

I have called Paypal support for help more than 10 times during this period, each time they say they will escalate the case and get back to me but they have never ever once called me back or emailed me back as they say they would. When I called today ( XX/XX/XXXX ), I was not able to get any help from the support staff. I was met with strong resistance when I asked to speak to a manager, and when he finally relented, he put me on hold for over 30 minutes and hung up before I could speak to a manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion has information on my credit report wrong. Transunion has a mark that says I owe XXXX XXXX  XXXX money for an account previously owned by XXXX XXXX. This is not true, how can XXXXXXXX XXXX XXXX own the debt, and I have paperwork proving that I paid XXXX  directly already. My credit score dropped and that is just unethical this bill has been paid for a while now. Why is it on my credit report?

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 2022-02-14
Company: EQUIFAX, INC.
State: KY
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:
THERE ARE MULTIPLE INQUIRES THAT ARE LISTED BELOW THAT ARE REPORTING ON MY CREDIT REPORT THAT WERE NOT AUTHORIZED BY ME. I HAVE REACHED OUT TO EQUIFAX SEVERAL TIMES, I HAVE SENT LETTERS AND NOTHING HAS BEEN DONE. THESE INQUIRIES THAT ARE REPORTING ARE ALSO DUPLICATED INQUIRES WHICH I HAVE BEEN ASKING TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CAPITAL ONE BUSINESS XXXX XXXX : Granted approval on XX/XX/2022 Sent card out. I activated card. XXXX  XXXX  credit card by capital one. 
Then by XX/XX/2022 they closed the card. And ruined my credit. My credit dropped by XXXX points. Put cancelled by grantor on my credit report for all to see. 

So basically I just applied for a card to ruin my credit. I lost and lost. I had nothing to ever win. Did not get card but lost XXXX points and have a inquiry? WHO WOULD SIGN UP TO DO THAT. 
Asked to remove XXXX. They refused?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or around XXXX-17 I noticed that account that were discharged in bankruptcy were still showing on my credit report. I no long wish for my personal information to be available through Trans Union, XXXX, XXXX please opt me out of any and all commercial services available to the public or Third party companies. The following companies and information is list in error on my credit report : XXXX XXXX XXXX # XXXX, Please delete error. This account XXXX XXXX # XXXX was in a Bankruptcy please delete error. I was under the impression that bankruptcy information and date was being removed from credit reports if that can be updated that would be great so I can refinance my home. These account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX are listed wrong please delete bankruptcy.

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 2017-07-12
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX XXXX is currently reporting on my credit report payment status : in collection, charge-off with a balance of {$98.00} .Also they have listed remarks of " charged off as bad debt profit and loss write-off. However as of todays date this account has been paid in full. XXXX XXXX has been contacted previously about this and I have waited over 90 days and have yet to hear any response from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is the address listed on my credit report to contact this company.

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 2017-07-13
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, my name is XXXX XXXX.
I have a mortgage company by the name SLS. I bought my house for XXXX . My balance XXXX. It already reached 78 percentage and they 're not taking the PMI off. I talked continuously many times. Now they want to do a appraisal and the loan is already less than 80 % percent. Now they 're trying to charge me to do a appraisal. Please help me out.
<P/>
Sincerely, XXXX XXXX Account Number : XXXX ( Phone Number for SLS : XXXX ) If you have any question please call me or my husband XXXX XXXX at XXXX.
My e-mail address : 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 2022-02-14
Company: TRUIST FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
SunTrust has been actively preventing me from from closing using predatory and abusive behaviour. By preventing me from closing the account by phone SunTrust is also discriminating against me ( ADA act ) as I am currently mobility impaired and can not currently get to a branch. 

I have made over 8 ( yes eighXXXX ) calls and have waited on the phone 30-50 minutes until the line gets disconnected. I can provide phone records. 

Please let me close the 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 explanation
Consumer complaint received 2022-02-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The application was wrongly filed, I did not authorize the opening of the account, my dentist referred me to Care credit. They were informed I was no longer interested in opening an account on XX/XX/2022 since I was not informed there will be a credit pull ( hard inquiry ). Care Credit agents referred me to their Fraud department, the staffs are conny, not trustworthy and definitely not helpful.They are mean and not willing to correct the error.

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 2017-07-12
Company: EQUIFAX, INC.
State: KY
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:
XXXX XXXX XXXX is currently reporting on my credit report payment status : in collection, charge-off with a balance of {$98.00} .Also they have listed remarks of " charged off as bad debt profit and loss write-off. However as of todays date this account has been paid in full. XXXX XXXX has been contacted previously about this and I have waited over 90 days and have yet to hear any response from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is the address listed on my credit report to contact this company.

Company response to consumer: Closed with explanation