BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: U.S. BANCORP
State: CA
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:
I have sent various letters to request an explanation as to why Elan Financial has closed my account. My account was always paid up to date and never late. I went through their customer service and they said that the decision was made based on a letter where I advised them that taking action against me due to age, religion, sexual preference and nationality is illegal. The company didn't respond just advised that they had decided to close the account. This action has harmed me due to closing a account that I had always paid in time and was one of my longest used cards. 
I should not be discriminated based on the factors they provided and never responded to the fact that I placed a complaint with CFPB. They actually verbally told me that they will make me pay the price for complaining to your organization and they did so by closing my account to hurt 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 2021-02-27
Company: CITIBANK, N.A.
State: HI
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 received a letter dated XX/XX/21 from Citi indicating that my account was inactive and {$0.00} balance so they had to close my account. 
I did however have a Dividend Dollar balance of {$83.00}. 
On XX/XX/21 I called Citi to see if I could at least get that money back. I was passed to a manager named XXXX who told me that my account was closed and that there was nothing he could do. 
I attempted to use their automated phone system to get a check of my Dividend dollar which their system indicated was a balance of {$76.00}. The phone system indicated that it would take 7 to 10 business days for me to receive my check, but nothing was received. When I used the phone system again on XX/XX/21 - the balance was the same - so I requested a check again - but i'm sure the results will be the same.

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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion has continued to report an account on my credit report after I have disputed it numerous times. I have written them to let them know that tin addition to the reporting debt being inaccurate, the company in question, XXXX XXXX XXXX is NOT licensed to collect the debt in my state.

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 2021-06-09
Company: EQUIFAX, INC.
State: VA
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 a loan with XXXX XXXX, XXXX XXXX XXXX XXXX, and MIDLAND CREDIT MANAGEM. I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and MIDLAND CREDIT MANAGEM with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I entered Chase w/ a XXXX Letter of Guardianship to request my husbands addition to my account. The Branch Manager ignored a NV District Court Judges orders and denied my right to  sign on my husbands behalf. I filed a complaint on XX/XX/XXXX and another w/ the exec office on XX/XX/XXXX. To date, I have yet to receive an appropriate response. Since XXXX, the investigator on this issue can not return phone calls in a timely manner, I have left countless messages/requests for her managers to return my calls. Im regularly told theyre in meetings or on another call, Im assured theyll call you back as soon as possible. XXXX from their Special Ops dept., not a case investigator, called me, the call was unprofessional, inappropriate & filled w/ derogatory & discriminatory references to my husbands illness. This is outright discrimination against a XXXX individual. Chase was never provided with ANY information regarding my husbands condition. They were provided a Court ordered Letter of Guardianship granting me permission to act on my husbands behalf which they refused to honor. This is contempt and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
CFPB complaint is being filed towards XXXX. The reason for the complaint is due to malpractice from XXXX. 
On XX/XX/2021, I reported several credit accounts that were being reported on my credit report as fraudulent accounts. I marked these accounts as fraudulent accounts because I never applied nor used these accounts for self-gain. 
Unfortunately, XXXX is continuing to post accounts from Bank of America. 

Because XXXX was continuing to post fraudulent accounts from Bank of America, I submitted a police report and FTC 's identity theft report directly to Bank of America with a CFPB complaint. 

The fraudulent accounts from Bank of America are still being reported on my XXXX credit report without providing their method of verification process of fraudulent accounts. 

I strongly believe that XXXX is in violation of FCRA because the creditors and XXXX never provided any shreds of evidence that these accounts were made and used by me. They are assuming that I am making a false statement, which is very offensive to me. Both parties are defaming my character and continuing to post accounts that are not mine. 

I would like to submit another dispute letter to XXXX via CFPB because I need to keep the record that I actually made an attempt to resolve the identity theft issue directly with the creditor and 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 2020-08-26
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
TD Bank is currently running a promotional offer XXXX XXXX XXXX XXXX 2020 ) offering {$300.00} for new customers opening TD Beyond Checking and Savings accounts. I tried multiple times to open  accounts through the website, but when entering my address the process was halted stating " To open an account from outside the TD Bank footprint, please call us at XXXX ''. I spoke with a number of representitives to ask if accounts could be opened in California. Each rep told me that I could open the account in California, but each was confused about why the website wouldn't allow it. I began the process with a person in the accounts department, but before finalizing I asked if I would still be eligible for the promotional offer. She was unsure so I was placed on hold, then told that I would not be eligible. I halted the process and read through the disclosure on the webpage. 

The disclosure states that in order to get the promotion you need to open the account online, but the only exclusion states " TD Bank employees and XXXX cross-border banking Customers are not eligible. '' There is no mention of particular states that are or are not eligible. The website has been built to only accept specific states and after inputting your resident information, rather than stating that you are ineligible for the promotion it simply prompts you to call the customer service number, and not one of the service reps mentions the fact that you would be ineligible and feigned ignorance about why the website would not accept my data. 

Due to the fact that they mention that you have to sign up on the website in the disclosure, I'm not sure if they are actually violating any fraud laws, but the fact that they have designed the website to specifically exclude a large group of applicants ( most of the United States ) from qualifying without any verbiage in the disclosure pointing to this fact, seems like a clear bait and switch. If it isn't illegal, it is incredibly dishonest and they should be required to add to their disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These accounts are Unauthorized and unverified accounts 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 explanation
Consumer complaint received 2020-08-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
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:
On XX/XX/2020 I made a purchase on the internet for a game console. The shipping was never confirmed through email so I reached out to the seller. With no reply from the seller I called USAA ( our personal bank ) to resolve the issue. The representatives encouraged me to file a dispute that would stop any further transactions and refund my money back. The representative for USAA said they would do a investigation and I would be contacted for evidence. Days later I get a phone call from the claims department of USAA requesting evidence. During this time frame I had received said package and it did not fit the description of what I ordered. I took pictures of the contents of the package for further evidence. USAA told me to send the package back to the seller and show proof. Once I mailed the package back and submitted all the evidence I was contacted again by USAAs dispute department after calling leaving a message for them to contact me. This phone call I was told I would need a second opinion letter in order to even submit my claim. The second opinion letter was to determine if what I received on the package matched the description. The evidence I had already submitted prior clearly showed this was NOT what I had ordered. I reached out to two different businesses for the second opinion letter both of which told me it was ridiculous that a bank would make this kind of requirement with submitted evidence I had already given. Neither business wanted to involve themselves with the bank due to not wanting to have legal issues. I contacted USAAs claims department back again to explain the requirement for the letter was not necessary due to already submitting the previous evidence pertaining to the case and no business would write the letter and get involved in a potential lawsuit. USAAs dispute team representative then told me the letter was not even going to be looked at it was just required. If the letter they are requiring is not even going to be read in the investigation then why is it being required to finish the investigation?! I have called USAA, reached out to them on XXXX and social media to expressed my frustration to them with no avail. The steps to protect your financial assets are just not there. This is a financial institution who thousands of our current soldiers and veterans look to for financial protection. Very disappointed to know USAA does not have Americas heroes best interest at heart.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Experian Information Solutions Inc.
State: PA
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 been reported on my Experian credit report as deceased. This has happened not once, but twice. The second time was XXXX of XXXX. XXXX XXXX reported an account that belonged to my husband, who committed XXXX in XXXX of XXXX, on my report. They stated the account holder is deceased. XXXX  XXXX states they sent a withdraw to Experian. I as well have disputed the deceased status. Months later, many months ... ..there has been no resolution. I can not even get a refinance through my current mortgage holder because I am " deceased ''.

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 2018-09-24
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-26
Company: Experian Information Solutions Inc.
State: NY
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 husband passed XX/XX/19 ... he had a credit card in his name but I was an authorized user. It was charged off after his death in his name only. Experian is charging me as being responsible on MY credit in error. They have contacted XXXX twice as have I. XXXX says I am NOT responsible ... .so far 2 disputes have not changed. HELP!!! There is no estate.

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 2021-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Actually I submitted another complaint before but CFPB just closed my complaint wrongly. The response from the company regarding that they could not find my account or need my further authorization was a liar because they just closed my bank account 2 weeks ago. ( Please check the attached bank account closure letter ). So that why they could not find my account. They can not just get rid of my complaint by closing my bank account. Can they? 

Ok, let me repeat my story again : A client found me via the XXXX XXXX trading section ( like XXXX, a XXXX trading platform ), paid me XXXX ( XXXX ) to buy USDT from me, also sent his ID copy, and confirmed the purpose of his payment. *USDT is a stable coin, a kind of cryptocurrency, normally people bought it to invest in XXXX or other altcoins, just like people need to buy the chips before they play in the casino. After a couple of days, my bank, Bank of America, told me that the client who paid that XXXX claimed that he got scammed and didn't authorize his payment. But I also provided all the online transaction records, the status of the transactions ... the client 's ID copy ... etc. which absolutely proved that the transaction had been completed ( which means I had sent the USDT I sold ). Obviously, I was not the one who scammed the client. If he still claimed that he got scammed, base on my experience, he might get scammed in the altcoins he invested in or he might get scammed by someone else, and someone acted himself to buy from me then ran away. Because this client sent the payment via online banking. Nowadays online banking is so secure. No one can send the payment from his account and sent his ID copy XXXX his own authorization. Anyway, he is an adult ... I am not responsible for his own mistake or loss. I got payment from him and with his ID copy. I am not an FBI ... there is no way for me to verify if he is 'he ' .... isn't it? Now the complaint is : the Bank of America is so unprofessional. They returned my XXXX XXXX to the payer without a thorough investigation, and totally ignore the fact : the transaction has been completed. They even didn't figure out how the XXXX XXXX platform works. ( It's XXXX, not XXXX ). They didn't know once the transaction is 'completed ', there was NO way for me to trace the USDT back. Anyway, it was a big mistake from BOA. Now it's my damage now. Thanks.

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 2021-06-21
Company: Kinum, Inc., Indianapolis, IN Branch
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been receiving calls from phone number XXXX since last fall. When I try to call the number back from my regular phone number it says it's not a working number. They call about once a week the call is mark spam it goes to my voicemail and they do nothing but say my name and hang up. They just say XXXX and hang up so this is been going on yeah since last fall I have it in my voicemail since XXXX of 2020 and it happens about once a week I finally figured out a way to find out who it was and what they wanted because I downloaded an app called XXXX and use the phone number associated with that to call XXXX and I found out the name of the company is Kinum and they are a debt collection agency based out of XXXX. This is very harassing and concerning that they would go to this level and I don't even know what this is for ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Shellpoint Partners, LLC
State: FL
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:
Good evening, To whom it may concern, I paid Shellpoint Mortgage double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent NEW REZ a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to NEW REZ and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I also did not accrue any late fees which means my payment was not considered late on their end. The representative reassured me that credit reporting would not occur due to seeing the funds available for transfer. I am disputing to have the report removed from my credit. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation