BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: CITIBANK, N.A.
State: WA
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 redeemed Citi XXXX Rewards points for 2 Home Depot gift cards, {$50.00} and {$100.00}, on XX/XX/XXXX. I expected cards to be emailed to me just like the one I ordered a couple of months before this, but instead they were mailed, and mailed to an old address ( I moved from there over 2 years ago, and, of course, I had my address changed with all my financial institutions ). I have contacted Customer service via Chat around XX/XX/XXXX, and the order was cancelled. I have received 2 emails from Citi Tnak You Rewards on XX/XX/XXXX, stating " Your return request has been approved '', for both cards. However, my point balance did not reflect it. 
I went on Customer Service Chat again ( twice ), trying to find out what's going on. Both times I was just lied to with no resolution of the issue. Eventually, I was told I need to call and speak with a Senior Customer Service rep. Interestingly enough, the number listed on Web Site as primary Customer Service number is a spam number!!! After a long series of spam offers you will be told this number has been disconnected! So here 's the number I got after all : XXXX. I did call on Friday, XX/XX/XXXX, and after a very long time on the phone I was reassured my point would be back on my account by Monday, XX/XX/XXXX. 
Today, XX/XX/XXXX, I checked my account and found out that XXXX points are still missing. I called again, and this time I was told that yet another dispute had to be opened today, and I have to wait for another month to hear from them!!! 
I don't believe this is right, and I am asking you to step into this situation and, please, help me to get my points back on my account. 
Thank you very much for your time and care

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 2019-10-04
Company: EQUIFAX, INC.
State: WA
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:
On Monday XX/XX/XXXX, I went to XXXX  XXXX XXXX on XXXX XXXX XXXX in XXXX, WA, to close my checking account with them. I took my balance in a check over to XXXX XXXX XXXX XXXX XXXX XXXX and deposited it into an account I had opened on XX/XX/XXXX. 

On Thursday XX/XX/XXXX, I received an email about a low balance notification for the account that I had been assured in person was actually empty and closed. I called XXXX  XXXX XXXX corporate and they told me they would take care of it and close the account. I didn't hear from them again until I received a letter in the mail in XXXX of XXXX that the account was delinquent and had been closed. This triggered an entire credit card collapse with XXXX, XXXX XXXX 's, and XXXX XXXX XXXX cards I had just opened. When I called XXXX  XXXX XXXX they said they couldn't do anything because I hadn't paid low balance fees. There shouldn't have been low balance fees for an account that was deliberately emptied and closed in person at a XXXX XXXX XXXX location, nor should those other credit card companies have closed their credit lines on me due to incorrect information. 

Additionally, the credit report says my XXXX XXXX XXXX account existed from XXXX, which is certainly not true. I used XXXX XXXX XXXX as my sole bank account from XXXX, when I closed it and moved over to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I first contacted Bank of America around XX/XX/XXXX to try to work out payment arrangements due to my sister passing away due to XXXX on XXXX XXXX, XXXX which caused me to lose my job. I am a XXXX, had no job, and they refused to assist me in any way. They closed my CC and wanted me to continue paying from {$200.00} to {$220.00} dollars every month which I did. I was not working and borrowed from family and friends to make my monthly payments. I was denied a payment plan because of no income and told that once I received unemployment that they would put me on one. Every month I was told a different lie. However, they constantly told me that as long as I made my monthly payments I would avoid collections. Once I received unemployment they said that they could not put me on a payment plan. I called again XX/XX/XXXX and XX/XX/XXXX to try to work out payments and was denied. They man I spoke with from Bank of America told to make my payment via the ATM before XXXX EST and that I would not be sent to collections. The amount due was {$210.00} and I paid {$200.00} at XXXX XXXX and {$10.00} at XXXX XXXX on the XX/XX/XXXX. However, on XX/XX/XXXX I received a credit alert from my bank that Bank of America charged off my account. Bank of America has constantly lied to me about my account, given me conflicting information as to why I was sent to collections or why my payment was not acceptable. I mailed a letter to Bank of America 's corporate office at XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX asking that my calls be listened to and ask that they reverse my account that was charged off because of their bank errors. However, no one will listen or willing to help 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 2022-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed disputes with the credit bureaus well over 30 days ago, filed a police report and called the creditors, The following accounts were not opened by me and falsely reporting to my credit report : 1. Bank of America : opened XX/XX/XXXX, 2. XXXX XXXX ; opened XX/XX/XXXX 3. XXXX ; opened XX/XX/XXXX ; Account # XXXX 4. XXXX XXXX Account # XXXX 5. BK OF AMER Date opened XX/XX/XXXX Account # XXXX or XXXX 6. XXXX XXXX : Account # XXXX Date Opened : XX/XX/XXXX 7. XXXX : Account Number : XXXX 8. XXXX : Account # : XXXX Date Opened : XX/XX/XXXX 9. XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX ) acct # XXXX The following inquires were not authorized by me : 1. Bank Of America ( Bank ) XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX - XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XXXX XXXX : Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have had an account with PayPal for many years. More than a decade, if I recall correctly. 

My PayPal account is linked to a checking account that PayPal draws from. 

I currently have a balance of approximately {$10000.00} in my PayPal account. 

Three days ago, I attempted to transfer {$9800.00} from my account to the linked checking account. The transfer was denied. I then attempted to transfer funds to another linked checking account, also denied. I attempted to transfer funds to each of three linked debit cards, all of which were also denied. 

I repeated these efforts on the following days. 

Today I called PayPal and was told that there is an unspecified security hold on my account, as a result of which I am not allowed to transfer my own money out of it, ever, to any of the bank accounts that are linked to it. I can only use it to buy things on PayPal, send money to others, or withdraw cash at ATMs up to a limit of $ XXXX a day ( and subject to the {$3.00} transaction charge imposed by ATMs ). Thus, what should be an instant online transfer will take me 20 separate trips to the ATM and cost me {$60.00} in ATM transaction fees over the next ten days. 

PayPal will not give any reason why it will not allow me to transfer money out of my PayPal account, and tells me that there is no solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX i was apartment searching and i was denied for a property because they told me i had an eviction after trying to explain it was n't me i still got denied they then told me on my XXXX report it was reporting two different but similar names : also address that do not belong to me after getting my credit report i then seen in fact what was told to was true. i then contacted transunion sent proper identification drivers license, social security card to prove in fact that was not me. i was assured that it was removed. Im apartment searching again just out of curiosity i log in an what do i see again that same name and address that i thought were removed around XX/XX/XXXX. This false inaccurate information hurts me from living where i choose to live, and damages my name. i need it off my report for good this time as they promised in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Why im paying {$90.00} which i doubled the repayment for the loan to pay it off and they only apply {$60.00}. a month to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: TX
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:
EXPERIAN, XXXX AND XXXX ARE IN VIOLATION WITH 15 U.S.CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZTION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THERE IN 18 U.S. CODE 245 INVALID ACCOUNTS AND DAMAGING INQUIRIES THAT SERVE NO PURPOSE OTHER THAN DAMAGE CREDIBILTY. SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX,. XXXX AND XXXX XXXX ARE REPORTING LATE. I DECLARE ALL INACCURATE ACCOUNTS ON THE CONSUMER REPORT ARE TO BE CORRECTED PRESENTING NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AS PER 15 U.S.CODE 1666b and 15 U.S. CODE and 15 U.S.CODE 1602 INCLUSIVE OF ANY ALL INQUIRIES ON THE CONSUMER REPORT BEING IN DIRECT VIOLATION OF 15 U.S. CODE 1681b FOR NO INQUIRY REMAINING IS BENEFIT OF THE CONSUMER AND REMOVAL OF SUCH IS PRIVATE BENEFICIAL INTEREST OF THE CONSUMER. I DECLARE AND VERIFY UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT.

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 2017-07-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On  XXXX   XXXX ,    2017  I received a {$250.00} American Express gift card that I won on a raffle. I decided that I would hold on to it until I went on vacation in  XXXX   XXXX  in  XXXX . On  XXXX   XXXX ,  2017  I decided to open the sealed cardboard enclosure that contain the gift card and checked the balance. I used the website  ( americanexpress.com/mygiftcard ) and found th at someone brought something from a   XXXX   XXXX   in  XXXX , CA for the amount of {$230.00} on  XXXX   XXXX ,  2017 . I then contacted American Express  Gift Card  department at  XXXX  and informed the person that there was a fraud purchase using the gift card. She confirmed that there was a purchase and then took down my contact information and told me that someone would contact me in regards to this. I have not heard from American Express regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12
Company: CREDICO. INC
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first received a phone call from a woman from Credit Collection Bureau of XXXX, ND for a debt that is not listed on my Credit Bureau Report and that of a Medical Bill that I have never heard of. I told her I do not have that particular debt and she said, " Well part of this is paid off ''. I told her to stop calling me ... and I blocked her. I then received a letter with Medical Bills. 

I have been a victim of Identity Theft in the recent past. 



XXXX XXXX XXXX  & XXXX XXXX XX/XX/2021 I am on the Do Not Call Registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have a checking account from Bank of America and this account was opened XX/XX/XXXX in XXXX XXXX TN. 
During account opening they requested {$100.00} for just account opening. 

I have a new checking account form XXXX XXXX and but they did not take any money for creating account, why Bank Of America took this money form 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 2019-10-04
Company: EQUIFAX, INC.
State: MI
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:
XXXXSN, and DOB both incorrect, Sent corrective information to " Equifax '' two ( 2 ) times Nothing happened ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: K A P S & CO (USA) LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company placed a fraudulent debt on my credit. I have never received any communications from this company regarding this matter. This debt is not mine and they are committing fraud by placing it on my credit. This is a violation of the FDCPA, and I demand immediate removal of this debt from my credit reports and at no time should this debt be re-reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In 2015, I paid this debt off via bankruptcy court. I completed a payment plan. Years later, I forgot I paid it off and found the court documents last year. I started paying again so they actually owe me money. The last company I was paying is XXXX XXXX XXXX XXXX. There are various account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted XXXX, XXXX and XXXX via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments.

To date Nelnet nor XXXX, XXXX  or XXXX have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not e-oscar used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: State Collection Service, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Disputed through XXXX, Debt was removed by the investigations findings. 
State Collections added it right back a few days later. 
Disputed through XXXX. Same thing deleted from account and the collection agency added it right back. 
I did follow up with each, deleted by both credit reporting agencies and added back a few days later. 
My reason for the dispute is because I was never notified of a collection company. I found it by checking my credit report. Through the dispute I found it to be hospital bills for several XXXX and hospital stay for XXXX 2 days. 
Then disputed the amount claimed by collections that I owed. 

The dispute was for the collections amount of {$1200.00}. Last reported XX/XX/2019 Then the same collections company added another collection for {$1100.00} Last reported XXXX XXXX same date. 
Now State Collection Service says I owe them a total of {$2400.00} I have been paying XXXX, the hospital regularly every month and the balance owed is {$900.00} not the {$2400.00}. Apparently the collection service is going to try to get me to pay them a second time for the hospital services. 
XXXX hospital refuses to tell me rather they sold my account to State Collection service. XXXX told us back when we started making payments that they dont send out statements after 90 days. So my wife kept track of what she paid leaving todays balance of {$900.00}. When I found out there was collections reported I called the Hospital to ask if they sold the account to State collections or if state was acting as a collection resource on their behalf. The Hospital refused to answer that question which makes me even more nervous because I might have to pay the same bill twice. We used checks to pay them so proof of payments can be gotten from the bank. The amount starting was {$2900.00}. The difference is the payments we made to XXXX in the 90 days before they sent the balance to State collections. The hospital said that the turn all bills owed after 90 days to collections. They said they sent a contract for payments to be made monthly which we never received. But, we made payments because we knew we owed them even without statements. As my credit report shows all of my other payments for car loans, credit cards etc. are marked monthly as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
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: Information belongs to someone else

Complaint:
XXXX AND XXXX HAS ALREADY BLOCK FRADULENT ACCOUNTS FROM MY CREDIT REPORT. EQUIFAX HAS NOT YET HONOR MY IDENTITY THEFT. I LOST MY INFO IN XXXX MO, XXXX, XXXX, AND EQUIFAX BREACHES. THIS IS BREAKING MY LIFE APART. 

FRADULENT ACCOUNT ARE XXXX XXXX XXXXXXXXXXXXXXXXX XXXX $ XXXX XXXX XXXX XXXXXXXXXXXXXXXX XXXX $ XXXX XXXX XXXX  XXXXXXXXXXXXX XXXX  $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Rapid Auto Loans LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
RAPID AUTO LOANS TREATS TOWARD ME AND MY FAMILY IS WAY TO MUCH. 
XXXX YHEY WANT DUBLE THE MONEY FOR LOAN, NOT FAIIR

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This is in regards to a XXXX XXXX credit card account under XXXX XXXX. I decided to go with the 0 % interest for 24 months program in XXXX XXXX. I noticed in my next billing statement that I was charged for " purchases '' however this was in disguise to debt protection that I did not willingly sign up for. I was denied credit of debt protection due since XXXX stated that I " signed up for the optional program in XXXX XXXX ''. I did not willingly sign up for the program in XXXX and when I asked what the charge was for XXXX XXXX claimed it to be interest expense. 

I believe this also related to the CFBP suing XXXX for the {$700.00} XXXX of unwarranted add on charges to consumers that were not given the option of obtaining the services. 

I am not sure as to the exact amount that I 've paid to debt protection since 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 2019-10-04
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation