BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
So a couple days ago ( XX/XX/ ) I purchased XXXX which my bank ( Suntrust ) allowed me to do but I had to call and verify the transaction. I just moved down to Georgia and got my first paycheck. After my move funds have been tight so I deposited my first check in the amount of {$5100.00} to a Suntrust ATM on the night of XX/XX/. I tried accessing my account online today ( XX/XX/ ) and have found out by calling that my account has " violated terms and conditions '' which was information disclosed by a customer service representative. I don't get paid again until ( XX/XX/ ) and a lot of bills will be due at the same time. I know I am making this complaint early, but I have seen the horror stories associated with banks such as Suntrust freezing money of their clients while they " research the account ''. My account has been open for less than a month now and that was the only transaction that set off a flag and had me call to verify which I thought was standard buying cryptocurrency. If this does violate their policy I would just like my money as soon as possible. I asked the customer service representative where I could find the terms and conditions of the account and he claimed " the only place to find this would be through your online account '', which I have no access to. It feels like I'm being taken advantage of already and I am willing to own up to it if I am not allowed to purchase cryptocurrency. If that's the case I should have read the fine print. I would just like my money so I can start an account elsewhere or to have this issue resolved in anyway possible.

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 2021-01-28
Company: EQUIFAX, 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I Have tried on multiple dates to link my apps, XXXX, XXXX, XXXX, and XXXX to my PNC bank account they will not let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX account name XXXX XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions

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 2021-01-28
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
This old Santander account is still reporting as a charged off account when I paid the debt. It is not updating my information and is reporting incorrectly on XXXX. It is bringing my XXXX score down 100 points compared to the other two credit bureaus. This account needs to update since I paid it back in XXXX 2020. It is still showing up as a charged off account and hasn't updated since XXXX 2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23
Company: Medical Data Systems, Inc.
State: AL
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 filed multiple disputes with XXXX, XXXX and XXXX regarding accounts that were opened without my knowledge that I do not recognize. These accounts continue to show on my report after over a year of sending police reports and filing ID theft reports. These accounts have various dates. 
XXXX  has refused to remove all of the accounts listed in this complaint even after I have filed XXXX identity theft packets. Sent them police reports and contacted them on several occasions. 
All of the companies in this complaint have been sent notices from me as well as identity theft reports.

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 2020-01-23
Company: BARCLAYS BANK DELAWARE
State: NV
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/XXXX, I received an email from Barclays, stating that I had earned a {$100.00} flight discount, because I spent {$2500.00} over the past membership year. The email provided me a flight discount voucher code ( XXXX ) AND expiration date ( XX/XX/XXXX ). I tried to book a flight on XX/XX/XXXX, and when I entered the code, I got a response that there is no value to that number. I called their customer service line, and was told that the code was only good for 6-months. I explained THEY sent the email to me, stating it expired on XX/XX/XXXX. The person on the other end of the line insisted the code was only good for 6-months from the issue date. She advised me to call XXXX XXXX. I explained that the email came from Barclays, not XXXX. I asked to talk to a supervisor, who told me they were aware of this problem and that I couldn't use it on the flight I wanted to book, but that they would credit my credit card account. She told me that they would have to investigate it. I explained that if they were aware of the problem, why would an investigation need to be done? She couldn't give me an answer. Well, I've been waiting for their investigation to be done and my account to be credited. Today, XX/XX/XXXX, I received a letter from Barclays, stating " We're currently unable to assist you with your Rewards issue. ''

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 2020-01-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Hello CFPB, Thank you for your time in taking care of it. 

This is XXXX XXXX, My last social is XXXX ( i also have other names as XXXX XXXX, XXXX XXXX XXXX, and XXXX ). 

I have been living in the USA since 2000. I am a US citizen. I was sending money to my family, friends using XXXX XXXX money services. I recently reached out to XXXX to get the details of money I sent from the year 2000 to now but MoneyGram declined through my email requests. I contacted MoneyGram ( customerservice@moneygram.com ) and at XXXX several times and all my calls routed or attempted by abroad ( XXXX, XXXX or some other country I dont know they even exist and also representatives are very rude in responding and not useful for customers ) representatives and they even dont know the USAs geography and simply denied my request many times as usual and declined to transfer my calls to any of the US customer supports but they say can not transfer or no US customer support available. 

The MoneyGram company has headquarters based in the USA but all the poor customer support from abroad? What privacy we have as an US citizen? 

During my recent discussions with my family members and friends, I came to know that some of the recipients either received less than the promised conversion rates or never received at all. I need the complete details from 2000 to now for reconciliation. XXXX simply declined my tax paid money and I paid thousands so far for as a fee. I have every right as a US citizen to get my information. I am sure I am entitled to my complete details as requested. I am a middle-class employee and this money is my hard-earned. 

Please take this as my written complaint to get my info and help me. I sent Money where i lived from XXXX, XXXX, XXXX and other places. 

I will pay a minimal fee if I required to pay to get my required info. As I already paid XXXX dollars as a fee sending for money. 

People I sent money through XXXX : 1.XXXX XXXX , XXXX 2.XXXX XXXX, XXXX 3.XXXX , XXXX XXXX XXXX, XXXX XXXX. Any others I sent. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are accounts that arent mine.

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 2020-07-14
Company: EQUIFAX, 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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: CMRE Financial Services, Inc.
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:
I filed a complaint XXXX this is not a duplicate. No lawsuits have been filed yet. This company recorded my calls and I did not give them permission. I have previously requested that CMRE call my attorney not simply mark my account for all future to communication to be sent to my attorney. CMRE general counsel needs to respond to my attorney it has been over 30 days since the original attemp was sent via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CarMax, Inc.
State: MD
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:
I have a credit inquiry dated XX/XX/2017 from CARMAX that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: MD
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:
I have an inquiry dated XX/XX/2017 from XXXX XXXX XXXX XXXX that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a certified letter which was delivered on XX/XX/2020 asking for proof of investigation. To date, I have not received any communication from this credit bureau. I have asked them to investigate this creditor and they verified the information as accurate. Since this is the case, I am puzzled as to why they can not provide proof regarding my inquiry. In the letter, I attached all of my identifying information including a copy of my passport, social security card and a utility bill. This creditor has ignored my letters before, which is why I provided so many forms of identifying 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 2020-05-22
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint about experian credit reporting agency. I recently submitted a dispute with them in regards to my XXXX  XXXX. It is marked on my credit report that I was more than 30 days late ( which is incorrect ). Today XX/XX/2020 I received a report with the investigation results. It shows my previous activity then shows the results after the dispute. ( They are the same ) yet it notes that there were some changes. Due to some work loss being laid off from work due to the corona virus I had lost some work. My company had closed. I immediately contacted XXXX XXXX and advised them if they can work something out with me as far as payments till I return to work. I was told I can participate in a 3 month program where my interest rate will be lowered and my payments would be lowered. I stressed over and over that I don't want this to be reported to the creditors as late I was assured it would not be as long as I made the monthly payment. I even made more than what I had to make. I am still be marked as 30 days late. Which in turn is affecting my credit score in a very negative way. I contacted XXXX cards and told them the issue and was advised again that the 30 remark would be removed and corrected and was given an apology for the error. It was never removed. I was then told dispute it with experian again. Well trying to submit a dispute online I can't do. There website keeps coming up with error message. I am upset that due to national disaster and loosing work affected my credit score like this.

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 2019-11-13
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made several attempts to rectify this to no avail. My identity was compromised and an account on my credit report for a cash advance by the name SPEEDYCASH COM XXXX VA of was done without my knowledge and consent. I have no affiliation with this company, past nor present. They are using a collection agency by the name of Ad XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. This item in on all 3 credit reports that was never authorized, and I had no knowledge of. I have filed a complaint with the CFPB and included my theft police report and affidavit. This is still on my report and they never contacted me because I OBVIOUSLY THE CONTACT information that the person used was fake.I also included my POLICE REPORT, affidavit AND REFERENECE # FOR THE FRAUD I PLACED WITH THE FTC TODAY. I want this account removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Experian Information Solutions Inc.
State: HI
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:
There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My name is XXXX XXXX XXXX. On XX/XX/2017 thieves broke into my car and stole my purse with my Bank of America debit card and my personal ID. Immediately, I called the back to have my credit cards cancel. I made a police report. Because I collect my pension from XXXX, I couldn't cancel the bank account itself but work out with the bank personal to keep this open and they open another one in the meantime. I called my bank in XXXX the one who deposits my pension- they were also aware that I was changing bank accounts but asking me to keep it open because of bureaucracy the change can not be made immediately. During all this time the bank personnel was aware of this ... and were waiting for my pension.. ( less than {$500.00} per month ). They were also aware of what had happened related to my stolen purse. My bank account never NEVER has had more than {$500.00} dollars. I don't even have personal checks, I just use the debit card, I don't have a credit card. Thieves first cashed {$60.00} dollars. I called the bank and they refunded it. But days later they fake a {$1.00} deposit and cashed too ... I never had that amount on my bank account. During all this time I called the bank many, many times, and they told me they were investigating ... HOWEVER, after waiting for weeks, I got a letter that says that I owe the bank {$800.00} ... and that the incident is closed. I did not pay that. But now, two years later the bank deducted {$160.00} dollars ( all that I have ) from my bank account + {$40.00} + {$70.00} the following days so my account is in red. I contacted the bank and the only option offered was 'a payment plan ', I am desperate. Please help.

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 2021-01-28
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hunts and Henriques Attorneys at Law is collecting for XXXX XXXX Credit Card. Due to my XXXX and unable to work due to the XXXX, I hired a bankruptcy attorney Atty. XXXX XXXX. Hunts and Henriques were fully aware of my representation. They have tried to file a lien and a judgement without advising my attorney. They send me the letters as a form of a scare tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$18000.00} XXXX  XXXX {$6800.00} CHAPTER XXXX BANKRUPTY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was rejected for an American Express XXXX card. As a consumer with an 800+ FICO score and no delinquencies, I found the rejection curious and wished to drill down more on the particulars of the original automated rejection which took only about 10 seconds online. I called the number listed ( days later upon receiving the snail mail letter and downloading my XXXX  credit report as suggested in the letter ). 

The XXXX call center, rather than having greater access to detail regarding the rejection, actually had less. They could not even see the text of the rejection letter. If, for example, the Amex computer tells me I " have too many new bank card accounts '' and I review the Experian report and see very few under my name and SS #, the natural next question is how many is too many, and over what period of time does Amex define " new ''. I spoke to 2 persons in XXXX : XXXX, ID XXXX, and her supervisor, XXXX, ID XXXX. 

I then escalated to the Executive Customer Care office. XXXX XXXX, an Executive Assistant in  that office said she would research the matter. While she did follow-up, she failed to to provide even the most rudimentary information. She did state " too many new bank card accounts '' means XXXX or more, though she could not ( or would not ) tell me the time frame Amex regards as a " new '' account. As we reviewed the Experian credit report Amex computers relied on to issue the rejection, we could see very few ( no where near XXXX ) were opened in the most recent year or two, a time frame a reasonable person might regard as " new ''. 

As a result, I found her cavalier dismissal of my concerns completely inadequate and would like reconsideration of this decision. She said the call was recorded by American Express and I have no objection to the release of that conversation for CFBP review.

Company response to consumer: Closed with explanation