BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
Company: U.S. BANCORP
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 balance transfer

Complaint:
XXXX ( platinum visa card ) basically says that they will charge higher APR on the balances for one month even though the customer is willing to pay it off the day after the promotion ended - which is not the case with other credit card companies. 

This either seems to be clever use of verbiage or deception of customers. 

I have 2 balance transfer offers at 2.99 % until balance is paid off and 2 balance transfer offers at 2.99 % ending with XX/XX/XXXX statement. 

I paid off the amount for the balances on XX/XX/XXXX and XX/XX/XXXX ( 2 payments ) after I got XX/XX/XXXX statement on XX/XX/XXXX -- expecting the 2 balances will be incurring higher APR starting XX/XX/XXXX. 

I see the payments I made were applied to older balances ( 2.99 % until balance is paid off ) as seen in XX/XX/XXXX statement. 

On calling customer service - and taking to the supervisor - I am told that there is a delay of one month for the system to update the APR and hence it applied to older balances -- - basically I had to pay one month APR charges extra to pay off the balances that I intended to pay - which I is not correct/right ; and I have to keep paying higher APR interest on remaining balance. 

If you say the promo ends by XX/XX/XXXX statement ; then allow the customers to pay the remaining balances right away instead of using unclear and deceptive practices to siphon off money.

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 2018-11-22
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I made a transfer to an account located in the XXXX ( international ). The transfer amount was {$1800.00}, and the transfer was made on XX/XX/XXXX. 
The bank, BB & T, charged {$56.00} for an " International Assessment Fee '' ( deducted on the same day ) .I complained, asking what this was for ; the reply was " This is our policy. '' There is no service corresponding to this fee. 

On XX/XX/XXXX, I made an ATM withdrawal while travelling in XXXX. The amount was {$83.00} ( XXXX Bank, XXXX ). Once again, I was charged an " XXXX XXXX XXXX '' of {$2.00}, deducted from my account on XX/XX/XXXX. There is a separate ATM usage fee of {$5.00}. 

It is difficult to see why an ATM withdrawal made from a major bank would require " assessment. '' There have been repeated charges of this type on every international transaction, always without any justification. 

I would ask the CFPB to intervene as this is a disgraceful abuse of 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 2020-09-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: BARCLAYS BANK DELAWARE
State: MD
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:
Greetings. I am a Wyndham Hotel Rewards/Barclay card holder. Last holiday season ( XXXX XXXX season ), I continuously received emails from my card company saying I will receive XXXX points for every dollar spent up to XXXX points and if I spent at least {$3000.00} between XX/XX/XXXX and XX/XX/XXXX, I will receive XXXX extra points for XXXX points total if I spent {$3000.00} by XX/XX/XXXX of XXXX. 

I have met my side of the bargain, I spent the money, shopped and now have those {$3000.00} being paid back with interest. However, the credit card company will not meet their part of the commitment. 

They have only credited me XXXX points and not the XXXX total points I was promised. Every time I call Wyndham rewards card, they tell me to contact Barclay. When I contact Barclay, they tell me to talk to Wyndham. Finally now they are sending me a letter saying I should contact them by mail.

I am so tired going back and forth between these two giants. I don't know why this has to become complicated given that their instructions were clear. Nothing to sign up for etc. just spend this amount in this period and get your points. I don't see why this should drag out till now. 

Soon the XXXX holidays will be upon us again and they will tell me " too late now. '' I am here paying back the {$3000.00} I spent plus interest and taking all this time which I do not have back and forth on the phone with them and I am not also now going to start writing letters back and forth now as well. They have been giving me the run around back and forth now for months! 

I need those points for my summer travels, which is why I accepted the offer in the first place. Now I am booking summer travels with new money with no points to help and that is not fair and unacceptable!!!

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 2018-11-22
Company: SUNTRUST BANKS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2021-07-12
Company: Experian Information Solutions Inc.
State: OH
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 lost my wallet and now after reviewing my credit report I see someone has been trying to buy things using my personal information. I have not given any of the companies that are on here to review my credit for anything.

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 2018-02-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Identity theft XXXX XXXX XXXX XXXX XXXX Account number XXXX Date open XX/XX/2015 Amount XXXX Fraud accout XXXX XXXX XXXX XXXX XXXX was removed from credit report then added back on

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 2019-05-22
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In XX/XX/2019 I notified XXXX Credit Reporting to stop furnishing my Credit report to XXXX XXXX XXXX 's and I continue to receive them by mail. I want this stopped!! 

I reported this in XX/XX/2019 as stated above, XX/XX/2019 and received another Debt Consolidation application by mail on XX/XX/2019. The credit reporting agency 's are unable to keep my personal information secure as proven in the past and I do not want my information released to debt consolidation agency 's.

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 2018-11-22
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:
There are many mistakes appear in my report without my understanding.

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 2018-05-23
Company: EQUIFAX, INC.
State: NJ
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:
OBTAINED AUTO LOAN FOR A NEW XXXX THUR XXXX XXXX XXXXXXXX. PAYMENTS WERE MADE ON TIME. AN ATTEMPT TO REMOVE THE BANK ( TITLE FRAUD ) WAS TRIED AND FAILED. UNKNOWN OF ANY INFORMATION ON WHO WHAT WHERE. XXXX  XXXX XXXX CLOSED THE LOAN ON ME EVEN THO IT WAS IN GOOD STANDING AND IS NOW RUINING MY CREDIT. I AM NOT RESPONSIBLE FOR ANOTHER PERSONS ACTIONS AND SHOULD NOT BE LIABLE FOR THIS ACCOUNT SINCE I WAS LIVING UP TO MY END OF THE AGREEMENT. I VOLUNTARILY RELINQUISHED THE VEHICLE YET THE BANK IS STILL CHARGING ME FOR REPOSSESSION,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: CA
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:
Back in XXXX of this year I filed my first around of disputes with Equifax and XXXX. The only one I got a response from was XXXX. In XXXX I filed a second around of dispute because the bureaus are not taking things off my credit that need to be that are seven years or older off my credit report. Now here I am three months later filing a complaints against them all because they arent doing their jobs. Please help with the matter and making them reply to my disputes that I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Americollect The amounts are $ XXXXXXXXand {$1000.00}. I have submitted a debt validation letter but have not received a sufficient response. They are reporting two accounts that are not mine. They are tied to a social security number that is not mine and they nor the original creditor can furnish anything with my signature. It is also tied to an address that isnt mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: EQUIFAX, INC.
State: OH
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 disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, Equifax, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Around the first week of XX/XX/XXXX I initiated contact in person with Chase, branch located on XXXX XXXX in XXXX. It is very close to my house. I have several accounts with them. 
I explored my choices on getting a loan and the types of product. 
At the end I was given a contact person and the possibility of two products. Refinance or HELOC. After a lengthy conversation over the phone with the bank representative I chose to apply for the HELOC. 
In the next few days I collected all the documentation they requested from me and took it in person to the branch, and in person gave it to the branch manager who was as always very proper, receptive and polite. 

A few days later I received by mail Chase disclosures on the loan and my rights under federal regulations. Also, someone from Chase left me a message. Her name, XXXX and I called back before XXXX, but she was not available. I left my number. The voice mail did not allow for a message, just a number. 

A couple of days passed, now it is XX/XX/XXXX, morning, I answered since I was in my free period between classes. I work as a XXXX. XXXX explained that she was the person I had to deal with for the loan. And needed me to do the application with over the phone and if I had 10 minutes at least. I explained to her I had already done the phone application over a week ago. She said it needed to be done with her. 
I was mortified that I had to do the application again. To add insult to injury, she recorded some of my responses I guess on the documents she needed. I explained all of those documents were delivered in person at the branch. She claimed she never received them either by fax or email. The minutes were running. As far as I knew the only thing missing was the appraisal which they had to schedule. 
She continue with questions, in a very discourteous manner. She wanted details on why I needed the money, exactly what I planned to do in the house and if I had already a contractor for the work. We hit several uncomfortable topics during this uncalled for interrogatory. Finally she told me that there was already an offer from Chase, at a lower amount. With the need to go back to work I told her all this had been a waste of time. Why not start where she ended and why all the inappropriate type of questions if they had already decided on what to offer me and according to her own words without seeing my documentation and an appraisal of my property. 
I am a long term Chase customer, have a mortgage with them, a checking and saving account as well as 3 credit cards. A Fico of XXXX and 21 years of employment with the same employer, XXXX. At the end this felt as pure and simple discrimination on the part of this division of Chase, or its employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Consumer Portfolio Services, 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: Investigation took more than 30 days

Complaint:
I had an auto loan with consumer portfolio services for over a period of 1 year. in XX/XX/2017 my vehicle was stolen. My insurance company paid the car off at whicj it left a XXXX balance on the vehicle. I was told by this company that since i did not have gap coverage hat I could set up a payment plan with them until i purchased another vehicle and i could renegotiate the payment terms. I was told that! could pay {$100.00} per month to preserve my perfect payment history with them and at that time moving forward they would not put any past due or late payments on my credit reports. Well after i made my first {$100.00} payment, 30 days later I was marked with a 30 day late on my credit reports. I called and talked to several customer service reps to no avail. I was only told then that " why would I think that I could preserve a perfect payment history by only paying {$100.00} on a {$380.00} car note. I told them once more I dont even have the car it was stolen and never recovered and i just wanted to make some type of payment arrangements to pay this balance however I cant afford to pay {$380.00} and also a new car note too and I was told they couldnt help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Experian Information Solutions Inc.
State: OH
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 disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as Experian, XXXX, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.

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 2018-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, XXXX and Transunion. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.

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 2019-05-22
Company: Capio Partners, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I attempted to have a XXXX  removed from my right eye. Dr XXXX XXXX made a mistake during the XXXX and several pieces of the XXXX XXXX XXXX and migrated to the back of my XXXX. As a direct result of his error, I needed a second XXXX, by Dr XXXX XXXX ( a XXXX XXXX ). The end result is that I am Legally XXXX in my right eye ( 20/450 ). I paid Dr XXXX But I did NOT pay all of Dr XXXXHospital bills. 
Because I would have never NEEDED the 2nd XXXX if Dr XXXX did his job correctly. 
I do not see the logic of paying for who caused me to be XXXX. Would you? 
The bill was something like $ XXXX and change.... 

XXXX I chose not to sue Dr XXXX because I am not the litigious type of person. 
Apparently they do NOT feel the same way....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Capital one account had fraudulent charges and capital one closed my account and I was unable to review the charges and speak to capital one. Its been going on for about a year now. I would like this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Experian Information Solutions Inc.
State: OH
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 disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as Experian, XXXX, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue

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 2018-02-24
Company: CITIBANK, N.A.
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2018 I contacted Citibank to dispute a transaction on my mastercard. Citibank refused to dispute the transaction and insisted I call back at a later time. I complained and Citibank responded by cancelling my card. They have since agreed to reopen it, but want me to wait seven days to fix their mistake which is unacceptable to me. I have several bills paid each month with this card and need it active immediately. I also need the {$51.00} charged by XXXX XXXX immediately corrected to {$48.00} that I should have been charged. 

Also I was forced to change the user name to access my account online several years ago and want it immediately changed back to the previous user name.

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 2018-06-16
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent money through Paypal on XX/XX/2018 at XXXX. Later that day they said they are reviewing it and could take 72hrs. Its now been 4 days and counting, nothing has been released, the {$13000.00} has been out of my account since XX/XX/XXXX and no one answers my emails nor do they have an answer as to why my money is not available to the recipient or at least refunding my money. 

I even had a PayPal concierge send me an email stating it would be released in XX/XX/XXXX by XXXX. That too never happened. 


They said email XXXX they will respond. Its been 4 days now and no once has at least acknowledged one of my 5 emails I have sent. 

PayPal Transaction ID : XXXX

Company response to consumer: Closed with non-monetary relief