BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-04
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/2019, I went onto the XXXX XXXX website to book a flight. Before I hit confirm to move onto the next steps to book the flight, a '' Citi AAdvantage '' credit advertisement appeared next to the information on the screen stating that if I applied I would get a {$200.00} credit if approved. It showed that the ticket I was about purchase would go from {$580.00} to {$380.00} if I applied and was approved. Nowhere during this process was I told it would take 7-10 business days to process the application and I would in fact NOT receive a credit on the current flight I was going to book that day. Various online

creditors prompted a notification to my email address that Citi checked my credit. Upon that notification I received an email from Citi indicating I had to call them and provide additional information. So I called the number and a customer service rep for Citi told me I had to provide proof of ID, which I never had to do in the past with credit card companies. She further told me that it would take an additional 7-10 days to process the application an that they would not credit. She further stated " sorry for the inconvenience ''. This was just a blatant ploy to get people to sign up have their credit score possibly affected and then
not provide them with the {$200.00} credit they supposedly offered online. This is egregious and extremely misleading. Now I'm stuck, I don't want this credit card based off principle, I'm trying to dispute it with the creditors under the fraudulent credit report check by the company.

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 2021-04-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and wish not help me to get it back, I thought that was a mistake, but I can not do anything about it. Anyway, I can not get help from them, and I was informed that I can withdraw the balance after 180days. However, I noticed the total amount of $ 8,623.39USD has been taken by Paypal from my account on XX/XX/2020. I was trying to get help from them, but they told me they can not tell me too many details about that. I feel like I can get help from CFPB, so I file a report here. I think you can handle this for me properly. I used paypal frequently, the only thing I want to do now is to get the money back from paypal to my account, and withdraw the balance. The email used for my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2018, I visited XXXX XXXX XXXX to view new vehicles since my current lease was terming out in a few days. XXXX XXXX, salesman, assisted me on choosing the vehicle that I wanted. I agreed on the vehicle of my choice, so the process continued with the financial portion of the deal. I spoke to XXXX, who was the lease dept. As part of the agreement, the dealership would taken my previous lease and all fees associated with the expiring old lease. Once I agreed on a down payment and monthly payment, I signed the papers and took possession of the new vehicle. Two months passed and I received notification that XXXX XXXX XXXX was charging me over {$4900.00} on mileage overage and was due immediately. I called XXXX XXXX, and he advised me that there was nothing he could do. I called and met with the General Manager XXXX XXXX, and he reassured me that he would be able to help with the misunderstanding, that he would get back to me as soon as possible. Several weeks passed and and several emails later, he advised me that he was not able to assist me with the mileage overage. I told him that was not part of the deal that I made with his dealership and that I would like to return the car and have my down payment of {$2500.00} returned to me. He told me that was impossible since three months have passed and I am stuck with the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: U.S. BANCORP
State: TN
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:
On XX/XX/2020 I realized I had not received nor paid a credit card invoice for the previous month. I contacted XXXX XXXX XXXX   which has the XXXX Mastercard I've had for 30 years. Explained that I had not received any invoice by mail as normal but that I had managed to go online and download the invoice and was sending payment that day. This has happened maybe 2 or 3 other times over the THIRTY YEARS I've had this account. They thanked me for calling in. The next day I went to get gas and my card was declined. So I came home and called XXXX XXXX XXXX again. This would be on XX/XX/2020. I was told that the card was automatically cut off because I had not paid the previous month 's bill. Needless to say that as a 30 year customer with a credit score of right at XXXX who has faithfully paid my balance in full month after month for 30 years, I was a bit unhappy. I instructed them to close the account immediately. The lady wanted to read me a long disclaimer. I declined and told her that I wasn't interested in their disclaimer. I simply wanted my account closed and hung up. 

Today I went online and noticed that XXXX XXXX XXXX was still allowing merchants with my card on file to run recurring charges through on my account. One or two had not been contacted by me. All the others had been and provided the new card information. 

So I called XXXX back and again instructed them to close the account today, XX/XX/2020. I first spoke to XXXX who provided me a reference number for my call of XXXX. When I asked why my account hadn't been closed before she put me on hold and a supervisor named XXXX came on the line. She said they would not close my account until I listened to their disclaimers. She said I was required to do so by law. I told her I seriously doubted the law required ME to listen to their disclaimers. If the law did require anything, it required them to deliver the disclaimers. XXXX then asked me if I had my credit card agreement. I don't normally keep them as they change them at will and it isn't like it is a negotiation, is it? It is totally one-sided to protect them. She said she would have one mailed to me. I asked it that contained the required disclaimer I was requesting in writing. She danced around the issue and would never answer whether it had the disclaimer or not. She said once I got the card agreement I could read it and call back in to have my account closed. I told her I would not do that. I had called twice to request the account be closed.

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 2019-08-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DISCOVERED NUMEROUS ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I WASN'T THE ONE THAT OPENED THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
ALL XXXX  is reporting inaccurate payment history across CA 's, please Delete accounts per the Fair Credit Act. 

There are 5 accounts with the same number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: AZ
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, I had a balance of {$25.00}, and I needed to pay my credit card payment of {$93.00}, so I deposited {$70.00} into my account and submitted the payment. At night, I again checked my statement to insure funds were above {$0.00} and I had {$2.00}. I even had a notification from them that I had a balance of this amount. I also knew that I had {$70.00} processing into the account the next morning, so I went to sleep knowing that I would never dip below {$0.00}. Then I wake up on XX/XX/XXXX to a {$35.00} overdraft fee, yet still a positive balance of {$26.00}. Apparently at midnight, a charge from XX/XX/XXXX was removed from the account and reposted, brining me down to - {$8.00} for a few hours before my money was deposited ( all while I was asleep ). After being with Bank of America for over 7 years, I was sure that if I gave them a call and explained the rare situation they could waive my fee. But I was wrong, and after talking to a representative and 2 additional levels of management, they decided to let me cancel my account rather than waive my {$35.00} fee that I did everything in my power to prevent. Instead of trying to understand my situation, they argued with me and told me i need to write down every transaction that i do. What is the point of having a bank handle my money then? With so many other options for banking ( and my credit card, which I will be transferring soon ) I decided to cancel. I don't think that it is right for them to charge these fees in the middle of the night when I have no way to prevent or fix the situation. I look forward to telling my story to family and friends, many of which have Bank of America. Never 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 monetary relief
Consumer complaint received 2021-07-03
Company: BARCLAYS BANK DELAWARE
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: Investigation took more than 30 days

Complaint:
I have sent XXXX certified validation letters to Barclays, XXXX XXXXXXXX XXXX XXXX and XXXX starting in XXXX of XXXX. I received zero response from any of them. 
In XX/XX/XXXX I received a statement, from XXXX for one of the accounts in dispute. # XXXX. It is past statute of limitations and does not provide me with when the delinquency date was, a contract or my signature on it. 60 days after the initial validation letter. The response back had no letter attached, did not state that it was past the statute nor did it provide any other information to valid that this alleged debt is mine. 
The following account numbers are what have been disputed with no response. 
Account # XXXX {$4500.00} Barclays XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Account # XXXX {$4800.00} BarclaysXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX or # XXXX {$5300.00} XXXX/Barclays- XXXX XXXX XXXX  Account XXXX XXXX {$5800.00} XXXX/Barclays- XXXX XXXX XXXX Ive attached copies of letters and credit reports, they are all incomplete/inaccurate reporting with all conflicting information.

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 2019-04-04
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I've had a mortgage loan with Flagstar Bank since XX/XX/XXXX. My taxes have been deferred due to my XXXX XXXX since about XX/XX/XXXX-XX/XX/XXXX. Deferment means the county doesnt collect on my taxes, however they still accrue but Im not required to pay them until I sell my home. In XX/XX/XXXX, I received a new escrow analysis from XXXX with my payment going from {$900.00} to {$1700.00} because XXXX paid my taxes which resulted in a negative escrow balance. I called XXXX and told them that my taxes were deferred which was also reflected in their system. They said it a mistake on their behalf and would be corrected, they would start working on getting a refund from the county in which they paid. On XX/XX/XXXX they informed me that there was nothing that could be done because they couldn't get their money back from XXXX County. I explained to them that this wasnt my fault and it was a mistake on their part. Not only that, I set up an automatic payment for the {$900.00} because I was told my payment would still be the same. On XX/XX/XXXX,  they withdrew the full {$1700.00} from my bank account. This resulted in my bank account going into the negative and all pending payments sent for bills were returned. Please help me. Im on a fixed income and can no longer afford my mortgage because of their mistake which they're unwilling to take accountability for. Additionally I never received correspondence indicating their decision to keep my payment at the higher amount. Even though I was told by the escrow department back in XX/XX/XXXX that my issue would be considered " high priority ''. However I didn't find out until the debited my account for the {$1700.00} instead of the {$900.00}.

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 2019-04-04
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 second letter I have been sent from XXXX XXXX XXXX XXXX XXXX stating I have a debt in the amount of {$420.00} from XXXX XXXX XXXX but they will settle for {$170.00}. 
I do not own an account with XXXX XXXX XXXX. 
The phone number listed in the letter from XXXX XXXX XXXX XXXX XXXX is different from that which can be found on their website also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is regarding XXXX  XXXX account XXXXxxxxxxxxxx appearing on Transunion and XXXX  credit bureaus.The account should be deleted today upon receipt of the proof attached.There have been multiple disputes without remedy by either bureau.Both bureaus possess an FTC identity theft report that neither bureau reacted by blocking the information.Transunion sent a letter and CFPB response to CFPB XXXX-XXXX, basically accusing me of either being mistaken or a liar or a thief.Transunion will find TODAY that " the shoe is on the other foot '' and that maybe it is Transunion who are mistaken ... .I have attached the XX/XX/19 letter. 
These are the facts : I experienced a fraud where some unknown entity used my card to buy steroid using muscle building products.I complained to XXXX   XXXX.Over time, XXXX XXXX removed every fraudulent charge and all fees assessed by XXXX  XXXX and adjusted the balance to XXXX. 
I have never used the card for anything. 
Yet XXXX XXXX employees, reporting credit, have held me accountable for late payments on charges I never made or paid for and products never received.The statements showing all charges and fees adjusted to XXXX by XXXX XXXX are attached. 
Transunion would doubtfully survive legally and XXXX  as well with doing nothing less than an immediate deletion of this account as XXXX recently completed. 
VERIFIABLE PROOF IS ATTACHED THAT PROVES THAT THE CREDITOR XXXX XXXX AND BOTH BUREAUS, XXXX AND TRANSUNION ARE INCAPABLE OR UNWILLING TO ABIDE BY THE FCRA.

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 2017-11-30
Company: EQUIFAX, INC.
State: TX
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:
On XXXX-2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is  impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to XXXX from XX/XX/2018 - XX/XX/2018 and while there my debit card was used without my authorization for 5-6 days. I didn't realize my debit card was missing or that transaction had taken place until after my return to the US. I went to XXXX to have 2 medical procedures, a XXXX XXXX followed by a XXXX XXXX a week later. I had some medical treatments after. I was under very strong pain killers and sedatives for several weeks. 
A claim for almost {$2000.00} worth of unauthorized charges is being denied by TD Bank. TD Bank is claiming there was no fraud simply because the transactions occurred while I was in XXXX, the debit card was not used after I left XXXX and no report was filed. I believe it is important to know that I had limited movement due to the XXXX   and drugs I was under and had nurses 24 hours a day ( on 12 hour shifts ) during my entire stay, as well as cleaning service that came daily to clean and cook. I don't personally know any of them and while I would like to think that none would steal from a patient/client, they all knew the length of my stay and had access to my belongings. A police report was not filed because I didn't realize the card was missing until my return to the US. I was on bed rest upon my return to the US due to partly to normal recovery XXXX XXXX and then extended because of complications caused by an XXXX. 
I filed a claim with the bank on XX/XX/XXXX and the first time the debit card was used without my authorization was XX/XX/XXXX. 
I have had a very tough few months with health complications and with an obnoxious amount of debt as a result of medical procedures and having to take time off. I am battling XXXX and while everybody has their problems I filed the claim within reasonable time. I believe the reasons TD bank is claiming to deny the claim are unacceptable. 
It may be relevant to note that I deposit on this bank account an average of {$10000.00} every month and filing a fraudulent claim for 1/5 of my monthly deposits makes no sense. 
I urge you to look into this and help me get my money back. 
Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Wilber and Associates, P.C.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wilber And associates called me saying that I owe money for a car accident. I was not, nor have I ever been in a car accident. I told them they had the wrong person, and they said my license would be suspended if I didnt pay. I received a letter in the mail from them saying I owe {$2300.00} and gave me ways to pay this debt. This debt is not mine, and I have never been in a car accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account and the XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation