BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of Identity Theft due to a data breach. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several fraudulent accounts all of which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until  further due diligence has been performed for a reasonable conclusion has been determined. I have place my dispute in with all the consumer reporting agencies via mail, yet to no avail.

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 2018-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to get Bank of America to do a removal from my credit report on old mortgage debt that was paid over 6 years ago in a short sale. I have requested several times with no resolve could you please help Im trying to clean up my credit to buy a new house and I believe I deserve another chance. 

Short sale XXXX Amount-XXXX 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 2021-12-05
Company: DISCOVER BANK
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX, consumer, natural person and original creditor of an open-end credit plan was denied my right of credit by Discover Financial Services XXXX Inc d/b/a Discover. I was notified of this transgression of my rights specifically 15 USC 1601 - The truth in lending act. I as a natural person possessing an open-end credit plan was harmed by Discover Financial Services , INC d/b/a Discover adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ) Discover Financial Services, INC d/b/a is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, On XXXX I opened my Kabbage Checking Account ( Sole Prop. ) XXXX. This was opened under XXXX XXXX under my Name and SSN. At the time there was a Bonus of {$300.00} for making 5 debit purchases within 45 days. Five Debit purchases was completed XXXX. My account balance was {$27.00} on XXXX. 

Then sometime between then and XXXX my account was locked Pending additional documents for verification. I provided My Drivers License, Tax Returns, and a Bank Statements. 

However My account is still locked after sending emails and talking to representatives over the phone. No one has been able to unlock it. I am requesting my All my money including the {$300.00} Bonus and my account to be unlocked. I have given enough time to figure out what to do. I have supplied all of the required documents. I have attached an email I sent and the Bonus Disclosures along with the proof that my account is locked. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After finishing a prior lease and starting a new lease with an apartment complex I was told that my previous lease was not paid off months after signing the new lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: CL Holdings LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX $ Original creditor name : XXXX XXXX XXXX Placed for collections XXXX XXXX XXXX I have never had XXXX XXXX XXXX I contacted XXXX XXXX systems and they ask for my social I did not give it to them I gave them basic info and they said based on the info givin they was not able to pull it up. 
I found out about the collections on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Solutions has been violating my consumer rights and I have NEVER done ANY business with them, nor have I even heard of them prior to their harassment. I've received numerous phone calls from Portfolio Recovery Solutions, harassing me, they refuse to even identify themselves. I DO NOT KNOW how they have ability to contact me, Ive NEVER given them my information or permission to do so. Portfolio Recovery Solutions called XX/XX/21 at XXXX, I demanded they NEVER contact me again, and informed that I DO NOT OWE ANY debt or obligation to them yet the calls kept coming in, On XX/XX/21 at XXXX and XX/XX/21 at XXXX ; XXXX and a few other times. Portfolio Recovery Solutions calls from different numbers at ANY time, they completely ignore my Affidavit and cease and desist letter signed by notary under penalty and perjury XX/XX/21. PLEASE HELP ME stop this fraud and receive the remedy afforded by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( Macys ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b )  of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

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 2021-12-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened my savings account with TD on XX/XX/XXXX in XXXX. had no issues till today XX/XX/XXXX when I realized a fee of {$4.00} was being taken out my account for each withdrawn/transfer to my checking account was made. of a total of XXXX charges since XXXX ( {$270.00} total ). So I called the TD banks line and I was told the fee was a government regulation, due to me transfer more than 6 times ( using electronic methods ) So I told she was wrong it was not a government regulation because I have a chase account and they don't charge, so she change her story, saying it was a TD bank rule that only allowed me to transfer 6 times a month without fee, putting more pressure on her, I learned that if I didn't want to pay any fee I had to go to a branch and used the ATM machine to transfer every time. So I went to the bank on XXXX XXXX and talked to a manager XXXX, I expressed my concerns with the fee and she told me it was on my contract, that I had signed for it when I first opened the account,. I told her I was never told of that ruled and it was not in my contract, I requested a copy of contract and she stepped out for XXXX minutes and came back with saying that the new rule was applied this year starting on XX/XX/XXXX. they said they sent a letter out to all savings costumer, which I did not received, she made to log into my online statement and pointed out it was written on top of my month statement ( in very lower caps, you can barely notice ) in the statement mentioned the fee but it did not mentioned that you could go to a branch and make the transfer without any fee using their branch ATM. She also showed a letter that was sent out to each client, which I never got it, the letter it is written in a large format, and you can read clearly, I believe they did not send to anyone that has a savings account with them that letter ( which does mention the no fee transfer at the branch ). I am looking to have the {$270.00} fee refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: CITIBANK, N.A.
State: FL
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 made a purchase using my Citibank XXXX XXXX XXXX  for a trip to XXXX. Due to Covid-19, this trip was canceled and XXXX  advised I would be refunded. After waiting over month to receive my money by Citibank, I finally received my funds transferred to my bank account. Two weeks later, I now logged into my Citibank account and they are DOUBLE charging me back for the refund!!! When I called them, a representative tells me it's a security issue. I said how is it a security issue? It's a double charge by the bank for the refund amount. He says, I need to transfer you and said that i would not have to " repeat myself '', he will let the representative know what is going on. I ' then transferred to online support who says he doesn't know who I am and wasn't aware why I was calling and then would transfer me back to customer service of which the call was disconnected!! Why are they double charging me for something that was refunded back to me by XXXX XXXX. This is the worst service I have ever had by a bank and demand this be credited back as now my credit is showing I have an unpaid balance due of {$2400.00}!! 

I called back and spoke with XXXX ( XXXX ID XXXX ) who seem to have better knowledge of this. She advised that she will send a request to the refund department to investigate as to why I was charged twice. She advised there is nothing further I need to do as of now. 

I have attached screenshots of my current balance with duplicate charges issued by Citibank ; The XXXX statement clearly showing my refund issued by XXXX XXXX and credit balance on the account, Citibank 's correspondence dated XX/XX/2020 issuing me the credit refund of {$2900.00}, and Citibank 's correspondence dated XX/XX/2020 stating that my credit balance remaining is due to unresolved disputes and once resolved, the conditional credits issued with be refunded 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 2021-12-05
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: Account status incorrect

Complaint:
XX/XX/XXXX Regarding : Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a XXXX Charge Card tradeline in my credit files that I would like to have revised. 
I received the XXXX card in XXXX, several years before I experienced the death of my late mother to stage XXXX XXXX XXXX. Later when I experienced the death of my mother, I became disorganized with respect to making timely payments with XXXX as it was a very hard time for me in my life where everything just stopped I lost who I was where I had to even get checked into a XXXX XXXX XXXX XXXX  XXXX XXXX. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXX that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the XXXX card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, XXXX that I am determined to keep spotless. 
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX XXXX preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with XXXX, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at XXXX, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. 
Very hopefully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, my Cash App account ( $ XXXX ) was closed for unexplained reasons. I have {$170.00} balance. I've tried linking other bank accounts and sending the money to other people to withdraw the funds, and get messages saying a card can not be linked at this time. I've sent messages to Cash App Support and I get the same automated responses. Bummed that my account has been closed, but I simply want my {$170.00} out of it and I'll cut all ties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XX/XX/XXXX Regarding : Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It XXXX Concern : I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a XXXX Charge Card tradeline in my credit files that I would like to have revised. 
I received the XXXX card in XXXX, several years before I experienced the death of my late mother to stage XXXX XXXX XXXX. Later when I experienced the death of my mother, I became disorganized with respect to making timely payments with XXXX as it was a very hard time for me in my life where everything just stopped I lost who I was where I had to even get checked into a mental health hospital for 15 days. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXX that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the XXXX card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, XXXX that I am determined to keep spotless. 
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX XXXX preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with XXXX, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at XXXX, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. 
Very hopefully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My credit score has suffered significant damage due to an error made by Bank of America. 


I called Bank of America in XX/XX/2021 to close all of my accounts with them. The representative I spoke with told me everything would be closed and my accounts would no longer exist. 


Over the next few months, I received scattered emails from Bank of America about my account statements, saying I had a balance of " {$0.00} '' or things to that effect. Since my conversation with the Bank of America XXXX representative had reassured me that my accounts were closed, I interpreted these emails as confirmation that the account closure was complete and that I'd fall out of their automated messaging system shortly. 


In XX/XX/2021, I received a letter from Bank of America 's collections department telling me that I owed them {$170.00}. A call to their collections department revealed the actual balance was on the credit card account which I was told had been closed, and amounted to {$210.00} ( from a balance of {$100.00}, with {$100.00} in fees and interest ). 


I was shocked to find this out- for 9 months, I had thought my accounts had been closed. I explained this to a Bank of America representative at the Collections department, who connected me to someone from the Fraud department, who in turn stated that she would close my account and start an investigation into whether the charges are fraudulent. 


A few days later, I was notified by my new bank that my credit score had dropped into the 650s ( previously it had been over 800 ). The reason for this drop was a new " serious delinquency. '' The timing for all of this could not be worse as my family is in the process of moving and I will need to apply for a new mortgage soon. 


Regardless of where they originated from, these charges and the subsequent damage to my credit score are the result of an error made by Bank of America.

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 2019-02-05
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I get emails few times from them saying will take me court or arrest me and go jail. They threatened me on emails. Im XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: JPMORGAN CHASE & CO.
State: IN
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:
Chase freedom credit card charge everey month a purchase fee whather you use or not the credit car a monthly purchase interest fee of {$21.00}. A total of {$250.00} that is insane my payment is XXXX wich {$21.00} goes tours the purchase interest fee. Only {$15.00} goes tours the monthly payment at this rate I will never finished the debt. I have 2 jobs is very hard to keep up with monthly payments but this is outrages. Chase Freedom credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I got a credit card from Wells Fargo which I never applied for it

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 2018-01-19
Company: Worldwide Processing Group, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX called a family member attempting to contact me regarding a a supposed debt which has been settled well over 10 years ago. This company scared my mother in law who happens to live close to me who frantically brought me the contact information. She is old and had no idea what was going on. 
I have not received a notice whatsoever regarding this company nor any correspondence whatsoever only this phone call. I told them not to call my family again. They claim to represent XXXX. 
I also filed a lawsuit against this company they claim to represent for making several violations according to the CFPB. XXXX XXXX XXXX has a BBB rating of F and has so many complaints against them currently its scary. 
I have zero information other than a phone number of XXXX and a person named XXXX. 
Long gone are the days of scare tactics, threats, and insinuations to others to scare information from someone to collect a debt. This company is in violation of every debt collection practice law its unbelievable.

Company response to consumer: Closed with explanation