BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: BARCLAYS BANK DELAWARE
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I have called over 20 times to barclays phone number XXXX. 

I keep asking them to get me to the disputes team but they hang up on purpose. I have mailed all my dispute proofs to the barclay address at XXXX. XXXX XXXX XXXX, DE XXXX. 

They do not want to talk to me nor do they want to resolve my issue.

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 2021-03-01
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XXXX, I have received denial letter dated XXXX from PenFed Credit Union for personal loan application number XXXX. I have NOT applied for personal loan with PenFed Credit Union. The letter had credit score listed, which means they pulled my credit report without my consent and it most likely affected it. Furthermore, I do have credit freeze alert on with all three reporting agencies, so no one should be able to pull my credit without calling me first. I called PenFed Credit Union on XXXX and after being on hold for 21 minutes, I got through to their rep, explained to her why I was calling and she hung up right away. It appears to be legitimate financial institution, however this experience seems shady and illegal.

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 2017-09-20
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
CBNA could n't verify any date but yet still process a hard inquiry on my report. XX/XX/XXXX and XX/XX/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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have submitted the attached documents to XXXX, TransUnion and XXXX yet the information is still reporting incorrectly. 
The XXXX XXXX XXXX XXXX and XXXX XXXX Account are showing past due yet they were paid by XXXX XXXX XXXX XXXX due to COVID19. 


Attached you will find the documentation to support my dispute claim. 

XXXX XXXX are not late and were COVID19 related and paid from XXXX to XXXX by XXXX XXXX XXXX insurance. Please correct the information. 

Also I have submitted documentation to remove late payments from XXXX XXXX XXXX. XXXX - XX/XX/2020 were also paid by the insurance company and never late. 

Please make necessary adjustments and correct mistakes. 

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 2018-03-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This account is very old and will like it to be removed immediately from my credit.

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 2021-11-02
Company: Early Warning Services, LLC
State: MD
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 have spoken with several representatives about my accounts being paid off. After submitting proof that the accounts were unpaid and disputing the accuracy of them. They were deleted, now theyve been reentered. I paid off 2 XXXX account after being told one of them was a XXXX XXXX  XXXX. Now I was being told they both were XXXX accounts. Both accounts have been placed back on Early Warning. XXXX was asked numerous times to place a stop payment and didnt. Attached are the two paid off accounts. I asked them to be removed twice already and theyre showing as Unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: JPMORGAN CHASE & CO.
State: MI
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:
XX/XX/2020 I was recharged on my credit card for a service I did not receive. 

Chase bank did not inform me about my dispute being rejected until after the time frame of responding back was over. 

Previous employees I spoke to on the phone told me I was fine and they would update me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: NY
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 in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: AMERICAN EXPRESS COMPANY
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:
We purchased products from XXXX XXXX ( XXXX ) In XX/XX/2020. Items showed up damaged and order was incomplete in XX/XX/2020. Also company over charged us for items we did not order both products not received and damaged. Company charged us for shipping then claimed we were responsible to submit claim. However you can not file a third party claim for shipping. 

We have contacted and submitted information to Amex showing that XXXX committed fraud and violated consumer rights issues. As well as delivered damaged items and incomplete order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Servicer : BSI Financial Issue # 1 : ======= In XX/XX/2021, I placed a request to cancel automatic monthly ACH withdrawals from my First Texas Bank account. The reason for this was a pending recast. Payment for XXXX was ultimately submitted on time on XX/XX/XXXX with the new amount. 

On XX/XX/XXXX, I reinstated auto-pay for XX/XX/XXXX with the new amount. 

On XX/XX/XXXX, I made the discovery that the servicer twice charged my account : once on Monday, XXXX XXXX and once on XX/XX/XXXX. I contacted the servicer to address this issue. From what the servicer advised me, the XXXX request for cancellation was temporary for XXXX month only, which is not what I was told in XXXX. I requested a refund and was denied. I was advised to contact the bank to stop the ACH withdrawal. When asked who will cover the bank charges for stopping the ACH withdrawal, they were not ready to make a commitment. 

Issue # 2 : ======= On XX/XX/XXXX, I submitted a request in writing to remove PMI insurance on the grounds that the Loan-to-Value ratio was below the required 80 % due to a recent contribution to the principle. On XX/XX/XXXX, the servicer helped themselves again to the instalment and when asked for a justification - there was none. 

I believe this servicer should be thoroughly investigated as it is not only myself that has similar problems. They had no authority to double dip into my account and when challenged, they could not take responsibility for their actions. When trying to resolve issues with a person who has authority to make a decisions, they are either in meetings, don't answer phone calls or communicate - leaving communication to the front line workers who are just unfortunate message carriers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
they will not issue rewards balance towards payment on bill. every time I call with complaint about this problem customer service keeps saying give one month or next billing cycle to take effect

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 2020-07-07
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I opened a debit card dispute with KeyBank for cancelled airline flights with XXXX XXXX. XXXX XXXX cancelled my flight on XX/XX/2020. They didn't send me noticed of the cancelled flights until XX/XX/2020. 

On XX/XX/2020 I spoke with XXXX XXXX about the canceled flights. They offered me credit vouchers or ( reluctantly ) a refund. I chose the refund and they told me that the refund could take " a very long time. '' At KeyBank 's request, on XX/XX/2020, I mailed in 29  pages of support for the canceled flights and the fact that XXXX XXXX had not issued the credit. In the support, I provided evidence of my complaint with the United States Department of Transportation, US regulation on customer rights for refunds, and support for the refunded flights. 

On XX/XX/2020 KeyBank still had not processed my mailed in support and removed my temporary credit for the {$4000.00} in dispute. At KeyBank 's request, I emailed the same support on the same day. 

On XX/XX/2020 KeyBank denied my dispute stating that XXXX XXXX had offered me a credit voucher and that was sufficient to evidence no error on behalf of the airline. After receiving the letter on XX/XX/2020 I made multiple attempts to contact XXXX, with the Executive Services team. On XX/XX/2020 I was able to speak with XXXX and ask that they reconsider the declination, given that I had no access to the credit voucher, and still had not received a refund from the airline. 

On XX/XX/2020 I received notice from the US Department of transportation that my complaint was valid, and in violation of consumer rights and that they would forward my complaint to XXXX XXXX. I advised XXXX, with KeyBank, of this fact. 

On XX/XX/2020 I received a response to a prior CFPB complaint that KeyBank was upholding their declination decision. 

On XX/XX/2020 I received an email from XXXX XXXX in response to my USDOT complaint. In the email, XXXX XXXX confirms that I do not have access to the credit voucher and claims that they refunded me for the canceled flights, which they have not. 

I'm asking for the CFPB 's assistance in forwarding my complaint to KeyBank, with included evidence from XXXX XXXX 's communication that they had refunded me. KeyBank should be able to see, from my account transaction history, that I have never received a refund from XXXX XXXX. I am asking that they reverse their declination decision, process the chargeback to XXXX XXXX, and issue a permanent credit to my account. Contrary to KeyBank 's declination response, XXXX XXXX has committed an error, and continues to withhold my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my father 's accounts after he passed away XX/XX/2016. I have been able to close all the accounts except this one with Citi Wealth Management. Every time I try to submit the documents they request, I am told that there are additional documents needed. I have submitted documents to them on at least ten occasions.

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 2020-07-07
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$880.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX XXXX XXXX {$510.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: HireRight Solutions, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX Unknown individual in this company has reported incorrect information to a 3rd party .... ( hirerite ) ... the information they are reporting is not at all accurate ... they have pictures i sent them that shows a mudflap pulled off of the truck..they are reporting it as an accident ... ..which is false ... they are lying about it ... in order to prevent me from getting hired by another company ... because all their drivers are quitting due to poor treatment ... unpaid wages ... and a lack of any decent..ethical..treatment from management ... .they are in survival mode..and will damage a drivers work history to try to keep them from leaving..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$880.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX XXXX XXXX {$510.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX added debts to several previous tenenats and then immediately sold them to debt collector right before closing their entire company. I didnt find out for several months until it was on collections on my credit. The new property management company doesnt have information because XXXX never transfered their information to the new company. The debt collection agency had a person claiming to be an attorney not with the collection agency telling me that the property bought back the debt and hired him. This is untrue since he is an employee of the collection agency. I proved i do not owe this debt however there is no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX my bank account was hacked for {$350.00} through cashapp at XXXX.I contacted my bank card services immediately and was asked to sign a notice of fraudulent form and to go to my bank and receive a new debit card. My bank then informed me it could take ten business before I could get the money back. XX/XX/XXXX my bank refunded me the money. 

During this waiting period I am conversing with cashapp trying to get any answers concerning the hack and now Im getting the run around. Finally on XX/XX/XXXX I get an email from the cashapp team telling me they are going to give me a provisional refund. In order for that to happen, I would need to log back into the cashapp, put my information in and they would transfer it from my old account to my new one. I asked them to put the money on a cash card and mail it to me because I no longer feel comfortable putting my new information in the app. My next email from them was letting me know for security reasons they could not refund my money. 

I just received an email from my bank saying on XX/XX/XXXX they are taking back the refunded money because cashapp told them I authorized those transactions. That is NOT true! I do not know those people. I am still trying to figure out how they were able to take that money from me and my account was set up to use a PIN number to send money. I truly believe this is an inside job. Cashapp is scam and I want everybody to know it! 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called a credit card company to start a balance transfer in the amount of XXXX and XXXX to pay off my credit card and yet this is my second complaint that Im filling and again Wells Fargo put my payments on hold 11th time since my account is open on XX/XX/2018 .. and Im so tired of this and they putting my checks on hold and they are legit and I provided faxes to Wells Fargo and they kept saying they never received it and I went to the branch and Im getting a message from that banker that I have to wait 4 days for the hold released but I was charged for faxes around XXXX bucks and my time and my money was wasted ....

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XX/XX/2020, my credit report showed I had a late payment for my XXXX XXXX account, which hurt my credit. I called customer support to dispute this error on my credit report. Customer support mentioned they would correct the reporting due to the COVID 19 pandemic. They would waive the late payment. On XX/XX/2020, the late payment remark was removed from my report and corrected, showing 100 percent on-time payments. On XX/XX/2020, my credit report showed a late payment remark on my account for XXXX. My credit report dropped 38 points, displaying I delivered 82 percent payments on time. I called customer service to dispute the error. Customer support mentioned they would correct this error and add notes to my account to have it reversed for the second time on my credit report. On XX/XX/2020, my credit report showed the correction to my XXXX XXXX account, delivering 100 percent payments on-time and a balance decrease. My credit score increased by 40 percent on XX/XX/2020. On XX/XX/2020, my credit report for the third time displayed a late payment on my XXXX XXXX account and an increase in balance by {$1900.00}. My credit score dropped 84 points because of this error in reporting on XX/XX/2020. I have not purchased anything from XXXX using my credit card during XXXX, XXXX, XXXX, or XX/XX/2020. I made a {$2000.00} payment on XX/XX/2020, which should have balanced at {$38.00}. I called customer support about this issue, but I am tired of hearing the same thing and dealing with this nonsense.

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 2020-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 rewards from credit card

Complaint:
I rented a car through XXXX in Hawaii from XX/XX/XXXX to XX/XX/2019. On XX/XX/XXXX, the vehicle I rented was involved in a minor accident. When booking the car, I read the Bank of America website to determine if I needed to purchase additional insurance from XXXX. The Bank of America website lead me to believe that I was covered. When I attempted to file a claim with Bank of America, I was told that my claim was rejected because I had rented the car for 17 days. I was told that insurance through Bank of America was limited to rental agreements of no more than 15 days. Nothing on the Bank of America website mentioned a limit of duration for the free insurance provided by Bank of America. On the contrary, the Bank of America website encouraged me to decline additional coverage from the rental agency. Please see the attached page from Bank of America 's website.

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