BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I researched credit cards which offer no-fee balance transfers, with an introductory no-interest period of time. I found several choices, and I have the credit and income to be selective. I decided on American Express and applied for and received the Amex Everyday Card, with a credit limit of {$25000.00}. After I received the card and set up my online account, I attempted to transfer a balance from another credit card, but I was prevented from doing so. I was told that there is a " balance transfer limit '' of {$7500.00}, in spite of the fact that my credit limit is {$25000.00}. I was aware of this, so I called and spoke to a representative. I was told this can not be changed. I asked where this information appears in the application process, and I was told it is in the " terms and conditions '' somewhere. I explained that I would not have opened the account had I known this. It is absolutely not clear in the application process. It may be there somewhere in some way, I assume it is now that this problem has arisen, but the application process is clearly designed to effectively hide the separate " balance transfer limit '' from the consumer, which is less than 1/3rd of the " credit limit '' and which can not be changed under any circumstances whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
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 sent in dispute letters to experian dated XX/XX/XXXX indicating that a account reporting to my credit report was not mine. The account was from XXXX opened on XX/XX/XXXX with a balance of {$4700.00}. Its been well over XXXX  days and i also sent them a follow up letter and have not received any progress.

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 2021-04-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
To whom it may concern ; I've been dealing with this issue for some time now, and nothing has been done with these fraudulent activities going on with my credit. I still cant understand how did this happen to me. this is my second time competing these steps. 
can you please remove these accounts off my credit. this is very stressful please help me resolve this matter 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 2020-12-13
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received an email stating that my account was suspended for suspicious source of funds picked up by their system. I tried getting in contact with customer support but customer support was very unhelpful and would barely reply. Less than a week later despite, despite trying to get help from support, they tell me my account has been closed for violating their internal policy and that I am not eligible for a refund but that I could send in the requested documents to fix the issue. I tried sending in the requested documents, I sent them in 4 times to be exact but each time I would send an email someone would reply once and I would have to start the process over again because they would no longer reply to the email chain. No one would or could explain anything to me. They basically took the money and stopped responding or helping. The account had XXXX dollars and I looked online and saw that the company had done this to a lot of people none of whom managed to get their money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid the TJX Credit Card in full. Synchrony Bank closed my account even though the balance was paid in full and refused to let me make additional purchases after I paid. This let me in a bad position can could of used the money for other obligations.

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 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not been late on this account and I have requested PHYSICAL PROOF of late payments since XX/XX/2020 of this year and have never received such information, please correct payment history. 

Please provide all the people involved in this investigation as well with notarized documents.

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 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had a credit card with XXXX XXXX with my spouse ( joint account ) which he added me to his account. Now the account shows closed with {$180.00}. In XX/XX/XXXX my spouse check his credit report and it showed Applied bank on his report. In XX/XX/XXXX he check his report and applied Bank was off his credit record, but it's still on my credit record. I ask few times to have TU check this out, no outcome, still on 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 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem getting your free annual credit report

Complaint:
I tried to access my free annual credit report 3 weeks ago. All 3 agencies denied me access and did not provide any explanation. I filed a complaint with CFPB about this issue. The complaint files were opened, one for each agency. Only 2 companies responded, but they did not respond to my question about why they would not provide my report online. XXXX  and XXXX  claimed my credit report will be mailed to me. So far, I have not received any credit report. However, CFPB closed the complaints, despite my refutation that they didn't address the complaint. 

TransUnion hasn't even responded to the complaint yet. 

It has been 3 weeks since I tried to review my data held by credit agencies and I'm still waiting. 

What is the CFPB doing to resolve these issues? 
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 non-monetary relief
Consumer complaint received 2020-06-25
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over 90 days ago, I wrote Credit Collection Services, and XXXX requesting proof of validation. So far, none of them have been able to provide such proof to me. I have sent three follow-up letters to each of them and there has been no response. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the letters and dates as evidence of my requests. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted the 3 reporting services about fraudulent activity in connection with my credit report and instead of them acting as I requested, they posted unrequested fraud alerts and consumer statements to my credit report. This, in turn, rendered my reports useless for me to use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: AZ
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:
The following fraudulent accounts and credit inquiry keep reappearing on my Equifax, XXXX and XXXX XXXX credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX, {$14000.00}, XXXX XXXX XXXX XXXX, {$8900.00}, XXXX XXXX XXXX XXXX, {$3100.00}, XXXX XXXX XXXX XXXX, {$30000.00}, XXXX XXXX  XXXX XXXX, {$370.00}. The fraudulent accounts dont belong to me. My U.S. Senator XXXX XXXX in the United States Senate and from XXXX is possibly going to call senate hearings for executives from Equifax to come before Congress and testify under oath about my case and numerous other constituents thats having constant issues, problems and disputes with Equifax in regards to fraudulent accounts and credit inquiries reappearing on my and other peoples Equifax credit reports, after Equifax has deleted and permanently block the fraudulent accounts and credit inquiries from my and other peoples credit reports numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
State: OR
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:
On XX/XX/XXXX, I was making a payment via a different account and found out they had closed my account. They stated that the Terms of Service states that with 2 return autopays in a 6 month period, they can close the account. I have not missed payments but do to the corona virus, I paid with my saving account. I was paying 10x more than the minimum due every time, I called on the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last time I talked to the office of the President to try and get my account back open. They stated that had mailed me notices that the auto pay was going on and that no mail had been returned, I told them I have never received an mailing, then they changed there reason saying they e-mailed me, They had the wrong e-mail. They were rude about it and did not care, that I had been a customer for 28 years. They have tread me badly, if there was an issue they could have called, for they have in the past.

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 2018-06-08
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage is being serviced by Homebridge, the reason for this complaint is due to moneys that have been sent by my insurance company for the repairs after hurricane Irma.  The check from my insurance came in my and my wifes name along with the mortgage company Homebridge. I have been hiring different contractors to perform the jobs necessary to finish fixing my house. Trying to get Homebridge to these contractors has been an absolute nightmare. I have called over 100 times to try and get checks cut to pay the hired contractors and for some reason or another Homebridge will hold sending payments or state that the check got lost in the mail or that the inspector they hired states the from a simple drive by from the street he can see that only 11 % of the work has been done. Currently I have a roofing contractor performing the repairs necessary for my roof and his contract states that 50 % of the invoice be paid upon receipt of the material necessary to do the job which Homebridge has a copy of that estimate along with the contractors insurance and license. The materials where delivered XX/XX/XXXX for which I took a picture of the materials sitting in my driveway and sent it to Homebridge loss draft department and they confirmed receipt. The roofing contractor has yet to receive his 50 %, the contractor then started to perform the work of which I informed Homebridge by email and by speaking several times with XXXX XXXX, I also left several messages for her supervisor XXXX XXXX 4 to be exact of which she has never had the decency to return any of the phone calls. At this point the contractor has stopped work and has left my roof halfway done because he is not receiving any funds. I have also explained this to Homebridge. They currently hold a little over {$14000.00} hostage because of this mystery inspector that apparently also doesn't have the decency to call me and explain to me how he can see from the street the repairs done to the inside of my home along with the fence repair done 600 ' in the rear of my property and state that only 11 % is complete. Homebridge refuses to give me the inspectors number and has refused to send the necessary payments for me to pay the roofing contractor. It has been like this since they have received the money from my insurance policy. I need help in getting them to release these funds so I can pay the roofing contractor and be done with this nightmare of a process with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CITIBANK, N.A.
State: NC
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:
I paid my Citibank the entire balance of my account. I mistakenly over paid the amount due and my account ( which is currently closed ) has a negative balance of XXXX. I have requested to have have the funds returned and the Citibank is holding the return for an unspecified period of time. Citibank had confirmed that funds have been received by them but they still refuse to refund the outstanding balance inspite of repeated attempts to have them wire the funds to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
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 fraud alerts or security freezes

Complaint:
I contacted the 3 reporting services about fraudulent activity in connection with my credit report and instead of them acting as I requested, they posted unrequested fraud alerts and consumer statements to my credit report. This, in turn, rendered my reports useless for me to use.

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 2020-12-13
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per my credit report states, I owe an amount of XXXX. However, I didn't create this account and was actually homeless, ( XXXXl breakdown accrued, I wasn't able to live alone per Dr requirement ) at the time so no way to have XXXX XXXX utilities. I reviewed my credit and noticed a home purchase in 2018 that wasn't mine since I was not in Missouri at all. Called the number to speak with a rep in concern to the account they continually disconnected the call once they perceived they couldn't bully me into making a payment. This has never been my account, when I asked for information to be sent to my review of the original debt signature they haven't provided it.They were not able to confirm the correct info for my d.o.b or whole name, which I would do for anything legally binding since I've has information from another XXXX XXXX XXXX, that was living in my same city for a while.

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 2018-04-05
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The payment was made with the agreement the collection was to be deleted with payment. Instead, the item was only updated as paid in full. I am requesting to please remove from the credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I've been a Simple bank customer since its beginning and loved them. BBVA bought them out and recently decided to close down Simple. They ensured us that the process would be seamless, but it has been awful.

Yesterday was the transition day and we were all instructed to sign-up for online banking through BBVA. When I tried this, I got locked out and was unable to access my accounts. This is not isolated to me, and it appears that there are tons ( maybe even all ) who are experiencing this same issue.

So what? Technical issues happen and are a part of life. I work in IT so I know this firsthand.

However, I'm filing a complaint because there is no way to contact BBVA, and they have failed to send any emails about the situation. Instead, I had to go to social media. Yesterday ( XX/XX/XXXX ) they put up a tweet " BBVA customer service will be open tomorrow, Sunday, XX/XX/XXXX from XXXX XXXX. to XXXX XXXX. Central to assist Simple customers converting to BBVA USA. Please call XXXX for service during that time. '' Well, I've called 25 times and been hung up on every single time. Their customer support staff are being instructed to hang up on these concerned people who can not access their funds. Some of them pretend like they can not hear us and others simply hang up within the first 10 seconds of the call. I know that this is coordinated and intentional because it happened so many times with different support representatives. 

This is truly astonishing to me, and absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Ne l Net keeps trying to make me pay for a student loan for a school that was shut down by fraud. They were shut down by the government. This was known as XXXX XXXX Most employers find their license laughable. And wont even accept them or look at you. I went to college there from XX/XX/2008 till XX/XX/2008 because they falsely told you you could graduate at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Two related complaints : My card was 1 ) improperly declined, I believe, because of a problem in the bank 's system dealing with payments that wasn't adequately disclosed. The bank 's website also displayed incorrect information to me. 

What happened : - I set up auto-pay - Unbeknownst to me autopay needs a full billing cycle to work, so after setting it up, the next payment won't be made. 
- This wasn't adequately disclosed. In fact, the dashboard on the website told me autopay was set up next to the statement balance so I didn't worry about it. 
- The payment reminder email didn't say anything about this autopay delay - The due date past and I was charged a late fee ( {$27.00} ) - I called Barclaycard and set up a payment over the phone and they waived my late fee - A few days later, on XX/XX/XXXX I received an email that my payment was received.

- On XX/XX/XXXX my card was declined, even though I paid on time for a normal transaction under {$15.00} at a cafe. I think they declined it because their system thought I hadn't paid. It was embarrassing.

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