BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: CITIBANK, N.A.
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I booked a XXXX flight through my Citi Premier Card using XXXX XXXX points worth {$800.00} as well as a credit of {$57.00} for a total ticket cost of {$850.00}. 

On XX/XX/XXXX I received an email stating that my flight was canceled due to the COVID-19 situation. Subsequently, I called Citi to obtain a refund of my points spent. Over the course of the next 4 weeks, I placed over 15 calls trying to get in contact with the company to find recourse for my situation. I spent over 16 hours on the phone trying to get this resolved as recorded in my phone records. I was transferred  between multiple departments from customer service, the XXXX points team, and speaking with supervisors. 

Ultimately, I was informed directly that Citi is opting to follow XXXX XXXX 's self-determined policy of providing airline credit rather than the U.S. Department of Transportation guidelines requiring airlines to provide full cash refunds on canceled flights. I am referring to the DoT Enforcement Notice released on XX/XX/XXXX stating " in the context of the XXXX Novel Coronavirus ( COVID-19 ) public health emergency, that U.S. and foreign airlines remain obligated to provide a prompt refund to passengers for flights to, within, or from the United States when the carrier cancels the passengers scheduled flight or makes a significant schedule change and the passenger chooses not to accept the alternative offered by the carrier ''. The notice is listed at this address : https : XXXX ). Again, the agent I spoke with stated clearly that Citi is opting to follow a company 's guidelines over that of the U.S. DoT. 

They are now unwilling to refund the XXXX points worth {$800.00} for my ticket and are instead offering flight credit to be used in two years, which is against the DoT guidelines for cancellations. They have however, temporarily provided a {$57.00} credit to my account to cover the non-point portion of my ticket purchase. There action is illegal and unacceptable. Furthermore, I will not be expecting to have the time to actually use this flight credit over the next two years during my medical residency. I am hoping that the CFPB can help resolve this issue and ensure that Citi follows clearly stated government laws.

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 2018-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Hello, A Bank of America Credit Card was opened under my Social, name, identity, etc. on XX/XX/2018. This was made aware to me by XXXX XXXX stating that a Bank of America Credit Card was opened. I have never had an account with Bank of America, whether checkings, savings, money market, or credit card. Please have this removed from my account and social. 

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 2020-11-17
Company: Experian Information Solutions Inc.
State: AL
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:
During the months of XXXX to XXXX time frame. I mailed out notarized credit dispute letters certified mail return receipt all coming back verified without the information needed to prove the account belong to me .Under the FCRA section 609 an original contract with my signature on it and FCRA section 611 your method of verification. These vital parts was not given to 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 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, 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:
Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 + Telephone Companies XXXX XXXX XXXX Inquiry from XX/XX/2018 + Truck Dealers XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 + All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 + All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 - All Bank

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 2018-04-03
Company: Experian Information Solutions Inc.
State: DC
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 submitted several requests to please remove items that were fraudulent on my credit report from identity theft however the same reports continues to show on my credit report I have been submitting since 2015 when I actually began to evaluate my credit they also continue to keep out date and closed reports as well

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 2020-11-17
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt for a phone bill on my credit report for a XXXX account I never opened. It is not mine. I was incarcerated. You can look up my department of corrections history and see that there is absolutely no way I couldve been using a phone while I was in prison. I want this debt removed from my credit report because I have no debt anywhere else and now this one single thing is preventing me from beginning to start building a good score. I will never pay for a debt that is not mine. Ive reached out to the collection agency and then they tell me to contact sprint-sprint no longer exists they are XXXX now and they say they have no record of my debt anywhere in the system. Please remove this from my credit report as it is not mine. 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 explanation
Consumer complaint received 2018-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates has repeatedly contacted me after my attorney has previously contacted all companies and Portfolio Recovery Associates with whom I had outstanding debts when I became XXXX in XX/XX/2013.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: WHEELS FINANCIAL GROUP, LLC.
State: NM
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:
The account was in charge off status on my report from XXXX  and XXXX  I disputed the account and it was removed from XXXX but not XXXX. In XXXX of 2020 it began to show as an open account and as current which dropped my XXXX  score down over 120 points. As of XX/XX/2020 the account reappeared on my XXXX  account showing open and current! I have not And will not ever paid on this account as my XXXX  ex husband fraudulently obtained this loan! It has gone from XXXX usd to over XXXX usd I can not afford to pay this loan due to Covid-19. I have no supporting documentation that this account was open fraudulently as I have no contact with my abuser! However if you look at the history of the account you will see it should not be reported as open and current!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've written Transunion in regards to date of last activity on my account for XXXX and they have not responded back or sent any results.

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 2020-10-26
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The first collection requst was from XXXX XXXX for TV service in XXXX XXXX about a year ago. 
I disputed it and explained them that I never lived in Nevada and I did not receive any service from them. 
They removed it from the credit report. 
Now CREDIT MANAGEMENT LP revived it on behalf of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
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:
XXXX, Equifax, XXXX has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX   2. XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have an account with Experian and even paid extra to get the range of possible FICO scores on my report so I could apply for credit cards between XX/XX/XXXX - XX/XX/XXXX. I used affiliate links through XXXX, XXXX XXXX and Experian that gave me approval chances of above 95 % and was rejected by all of them except the ones that came from Experian 's affiliate link with the highest APRs and annual fees. The rejection letters all cited Experian as their source and contained different scores for the same product ( credit cards ) applied on the same day, none of which matched the score given to me by Experian. 

The score given to XXXX XXXX and listed as their reason for decision is lower than ANY reported FICO score obtained on my file from any source. XXXX  listed a recent and severe delinquency supplied by Experian, which is also untrue as the only negative item occurred in XX/XX/XXXXand has been disputed ( will submit on another complaint ) and XXXX  XXXX listed too many inquiries but only when I applied for a XXXX  XXXX business card account through XXXX. The personal XXXX XXXX card I applied for via Experian on the same day instantly approved even though they had the same APR. I also got instantly approved for a XXXX XXXX personal card via Experian that day with a whopping {$400.00} limit. I've never had a card that small in all my 22 years of handling credit cards with limits past {$10000.00}. Hmmm ... I've been left with no business card for my new business, the only product I really wanted but can't get since Experian doesn't offer them and I can't meet their 5 personal card minimum to release me from their partner status quo regardless of my willingness to accept their awful deals because they didn't match me with enough qualifying offers and have provided bad info to everyone else who could. The fact that I've paid Experian TWICE for my bankcard FICO scores and still don't know what they really are since they tell everyone something different on the same day is unacceptable as is the fact that I got two of their advertised partner cards and they STILL kept sending bad info to any application not linked from their site. Oh, and beware of their Boost  propaganda that fails to tell you if you pay your phone or utilities with a business bank account rather than a personal one, they don't give you points for it. I had to call 3 times before I got an agent who told me why my Boost wasn't working even though my bank accounts are connected. What's with the small business sabotage and discrimination?

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 2021-02-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX, I unexpectedly received an email from the bank that my account has been permanently suspended and that all access has been terminated. I have a large amount of money on the account and they are refusing to return my money, access it or transfer it to another account. I made numerous attempts to call them and I was told there was nothing i can do and given no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX  - ( XXXX ) XXXX Monday XX/XX/XXXX XXXX : Called to tell me I had missed a payment. I checked my records and indeed, I had missed a payment because I didn't get a statement. I promptly downloaded a copy of my statement and made the missed payment, and the current payment. Since then, they've called my mobile phone three times, they called me at work twice, and they've called my home land line twice. 

When they called me at work, they would not tell me who they were, so I hung up on them and XXXX  the number. 

I sent in the payment almost 4 days ago, and I told them I would. I feel like they're harassing me and I want them to stop. I've made at least 60 payments without fail and they're not being nice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
My Citibank Credit Card has {$960.00} to be refund to me for over payment and there is more than 10 business days waiting for my refund and I have not receive it yet.

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 2021-04-29
Company: CITIBANK, N.A.
State: DE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I called XXXX XXXX ( XXXX ) to purchase an infant lap seat ticket in addition to my family 's 5 purchased seats on XX/XX/XXXX, on my Citi/AAdvantage card. While the infant seat was purchased, the agent mistakenly recharged my card the full price of the previous 5 tickets at {$920.00} each, totaling {$4600.00}. I discovered this error later that day, and called XXXX  to right this mistake. I was told the pending status typically remains for 3-5 days. Simultaneous, and multiple efforts followed from XX/XX/XXXX thru XX/XX/XXXX : ( 1 ) XXXX XXXX : I have spoken with customer service, then told to submitted a claim to their customer relations department which led to several correspondences with representative, XXXX XXXX, without resolution. Then I escalated a request via email to her director, XXXX XXXX, and SVP, XXXX XXXX, only to again received a response from XXXX XXXX, that Mr. XXXX acknowledged receipt of my request, but no sensible explanation for these extended pending charges. Compensation of XXXX  miles were awarded, but simply just not enough for the forced inconvenience of shuffling finances on my credit card that was tied to other financial commitments. 

( 2 ) Cit/AAdvantage : Citi 's customer service representatives have said that the control to release a pending charge is the merchant 's, not the card issuer. I asked if they could investigate on their customer 's behalf and speak with XXXX merchant services, but it was declined. While they were empathetic to my frustration, there has been no resolution.

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 2020-10-26
Company: EQUIFAX, INC.
State: NV
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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: AR
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 been wanting to remove inquires from my credit report for almost 6 months now. I'm new to credit and just now figuring a lot of that i didn't have authorized or gave any consent. i would just like the items i have dispute removed and deleted from my credit profile so i can live a better life.

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 2020-10-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My wife XXXX XXXX XXXX and I entered a settlement agreement with XXXX XXXX to pay a settlement of {$1500.00} for deletion. We made a payment in XX/XX/2020 of {$500.00} and completed the payment with a payment of {$1000.00} on XX/XX/2020 and received the deletion letter and payment receipt. The credit bureau has removed it from my wife 's credit profile but it still remains on my credit profile although it has exceeded the 30 day limit now approaching 60 days with no deletion. This is clearly a violation of my FCRA and FDCPA rights with their refusal to remove this derogatory joint debt. We have contacted the credit bureau multiple times and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I bought 2 mattresses for a total of {$990.00} at the XXXX XXXX store ; In the negotiation with XXXX XXXX ( seller of XXXX XXXX ) financing through my credit card for a total of {$1200.00} which can be evidenced in the videos of the place that day. 

They began to give me discounts for {$95.00} biweekly until reaching the sum of {$1200.00}, after this, I received a call and an email from ACIMA,  notifying me that I had a debt with them for approximately {$1200.00} more For which I present this complaint of fraudulent sale since at no time did the seller of XXXX XXXX " XXXX '' inform me of this ACIMA company and less of its financing plans. 

This company ACIMA sent me via email a document where my signature is displayed, which is false since I never had knowledge of the said company, they created an electronic signature without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a formal written complaint to Chase Credit Card company for not updating my address information, failing to send a bill, and causing my credit score to drop almost XXXX points. There is an account reporting on my credit report for Chase and its showing past due. I have not used this account for over ten years and have received no documents from Chase that there is a balance. This is a joint account with my sister and these are her charges as I dont even have a credit card for the account and I canceled this account XX/XX/2020 after I found out it had a balance. I gave Chase my address to send any bills when I canceled the account on XX/XX/2020 since I dont have access to online and I have never received any statements or documents showing the account had a balance. I have always paid all my bills on time and Im not irresponsible with my debts. I have never had credit score issues and the reason I found out the account still had a balance was because my score dropped on XX/XX/2020 XXXX and today its XXXX. This is not my debt and now that Chase has adversely affected my credit I want this debt to be removed from my credit and my name. I have called Chase several times about this issue and the customer service employees say there is nothing they can do not even note the account I called.

Company response to consumer: Closed with explanation