BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In late XX/XX/2020 I received in the mail a PIN disclosure letter from " XXXX XXXX XXXX, XXXX XXXX, TX XXXX. '' Seeing that it was from " XXXX XXXX '' I was immediately nervous as I know I have no open account with Citibank, nor have I requested an account to be opened. The next day, I received a debt card in the mail. This was clearly from Citibank. I did not activate the card and I immediately checked my credit. I saw no report of anything new from Citibank on any of my credit reports. That night I looked up Citibank 's phone number online, called and checked into whether they had an open account with me via their automatic phone system. None of my information was registering in their system. I presumed it was deceptive advertising and moved on. Then on XX/XX/2020, I received in the mail a check book from Citibank. This is when I called Citibank and angrily told them to close this account. They forwarded me to their " fraud department '' and closed the account. The reason for me contacting cfpb is that I don't believe this was fraud from an individual stealing my identity. If someone was fraudulently opening an account in my name, why would they open it with my current address? I believe since my credit is frozen with all three major credit bureaus and there was no trace of any inquiries on my credit reports which is usually present when I set up an account, I believe that Citibank set up this account with my personal information without any authority from me seeing if they can hook me into activating the account. Similar to what XXXX XXXX was caught doing recently. If this is something that other customers are reporting, I want to add my voice and report Citibank for deceptive account practices.

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 2019-02-05
Company: CURO Intermediate Holdings
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
After applying online 4 a short term installment payday loan we were contacted by someone named XXXX XXXX posing as a representative of Speedy Cash saying that we were approved for {$3000.00} loan. We were supposed to receive the money within 24 hours of giving him our bank account number which we gave him our account number and routing number then he asked for our online banking username and password. When I obtained the information I was unable 2 retrieve his number from my voicemail so I went to the company 's website and call the number listed. I spoke with a customer service rep by the name of XXXX that informed me we were not in their system so I hung up I made a point to retrieve the voicemail that I received from XXXX XXXX and I proceeded to call the number he listed. I first called him blocking my number and it went to voicemail after the second ring then I called back with my numbers visible and he answered stating that he was XXXX XXXX with Speedy Cash and how could he help me. I asked for someone XXXX XXXX name and he just sat there on the line and eventually hung up after my fourth time of asking for a random person. I then called Speedy Cash buy the number listed online and I was informed that this person is a scam they are not out of Washington they are out of Kansas and then I proceeded to ask for the fraud department from which I spoke with XXXX who made a report and advise me to file a report with the FTC consumer XXXX and to contact my bank and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX  XXXX 2020, I transferred $ XXXX from my Bank of America checking account to my XXXX brokerage account. My Bank of America account activity displays the transfer following a confirmation number. However, my XXXX account activity shows the $ XXXX was credited on XX/XX/XXXX, immediately following - $ XXXX. I was told by XXXX that the transfer was unsuccessful due to missing information and should've been refunded back into my Bank of America account. Bank of America eventually told me that the funds landed with XXXX, an institution I've never heard of and am not affiliated with. I asked Bank of America for details regarding the XXXX account that holds my funds, but they said I'll need a subpoena to request the details of the account. XXXX will not provide any details unless I have an account number. I've exhausted all avenues that are available to me. I've been in contact with dozens of representatives but these are the two that I've e had the most contact with : XXXX, XXXX XXXX XXXX extension XXXX, Bank of America, 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 2022-10-31
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX Account # 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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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:
On XXXX, I originally asked for this account to be removed for multiple inaccuracies & FCRA violations. The pay history section was incorrect showed additional months late AFTER the close date of XXXX. I was charged additional late fees AFTER the account was closed. The were no payments recorded for XX/XX/XXXX through XX/XX/XXXX ( which were all on-time payments ). The Date Closed of XXXX is missing. The balance of {$540.00} is incorrect. **Instead, ALL payment history for this account was completely eliminated, now showing No Data Available for XXXX and most of XXXX. *Undisclosed payment history is not accurate and complete credit reporting. Yet another FCRA violation. My report now says Account previously in dispute now resolved by data furnisher. This is incorrect. My dispute was not resolved at all. It was actually made worse with additional inaccuracies. The Delinquency First Reported date now says XXXX, when it previously said Delinquency First Reported XXXX. 
**It is inaccurate and unfair to update the First Reported date to XXXX, thereby causing it to show as a recently reported debt, when in fact it was First Reported in XXXX. ( the first actual delinquent payment was XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate & unknown information on my credit report be validated. To this date it has been 60 days and I still have not got a rebuttal of any kind in regards to this matter. I am sure that I am being taken advantage of and being totally ignored of my disputes. Section 611 ( a ), Says that a failure to investigate these items within a 30 days gives an immediate removal of these items from my credit report. In my case it has been over 60 days, so it should be deleted instantly. I also sent a follow-up notice after I informed them that they were reporting inaccurate information. I demand that these items be deleted immediately or I will file litigation do to the stress that it has caused me. My information was impacted by the Equifax data breach and may have been compromised as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I used to be a very loyal customer since XXXX, chase bank is the only bank I ve using and I referred chase bank to all my friends. I have always been a good customer, I never deposit cash into my account, never withdraw large amount cash from my account, and I made all my payments on time. I had a good experience with chase bank before XX/XX/XXXX, chase bank soundlessly closed my account even without notice me. There are lots of service require credit cards, car rentals, hotels, etc., and I dont even have another bank, as a person travel a lot, my life has been ruining by chase. 
Then I tried to called chase card service, the card service neither given me a reason nor reopen my account, I felt very upset, this action, this closure is very unprofessional and aggressive, the spirit of contract in the transaction was broken by chase for no reason. 
After that I received a letter telling me that all my credit cards, bank account and even my safe deposit box have all been closed by chase. So called the number on the letter XXXX and asked then to reactive my account or review my transaction, they rejected my opinion without even thinking about it. 

Credit card account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX ASSOCIATES Account Number 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 reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX ASSOCIATES Account Number 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 reporting agency can not furnish an 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 2020-10-27
Company: DISCOVER BANK
State: VA
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: Problem with personal statement of dispute

Complaint:
On XXXX I received an update from XXXX  stating that my past due history increased for Discover from 96 % on time to 100 % on time history. I reached out to Discover and asked that since this had been updated for XXXX, to please update to the other bureaus. The first response I received regarding this new request was around XX/XX/XXXX and it stated that in XXXX I had already requested to have the payment history updated and the information remained the same. They also deleted the current payment history from XXXX. I sent another request to the executive office and was advised by them that their decision to update my past due history to current has not changed based on the investigation in XXXX, this apparently did not address my concerns. Did they not see the inquiry from XX/XX/XXXX? 

Discover has been the best card and I now feel like Ive been mistreated and discriminated against. Ive explained in the past that the payment was a simple mistake and my husband was in the hospital back in XXXX and I spent many days in the hospital and just forgot to make the payment on time. Neither agent investigated the fact that one of the bureaus is reporting XX/XX/XXXX as current as of XX/XX/XXXX. I only asked Discover to update it based on that and as a goodwill. However, they deleted the current information from XXXX, how distasteful. No proper investigation has been done because if it did I would have a new response regarding why XXXX  is  reporting all past due history as current and the others not. Instead Im given generic responses and investigation has been done. My consumer rights have been violated and Im sure it will fit under a UDAAP regulation and Fair Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a XXXX Rewards credit card to my address stating that I just need to activate it to receive a {$1000.00} limit ... I have never done any business with XXXX, or with Comenity Bank where this card is being run through ... I never requested a card from either of these companies, and have never been in contact with them ... They never performed XXXX on me. 

They never confirmed my address or my identity, this card could have been sent to an address that I no longer live at ( thank XXXX it didnt ), and any one could have activated it and started to use it. This was not an application for a card this was an actual card being sent to me. They opened a line of credit in my name that I did not request, authorized, or sign for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a checking account with Bank of America. It was a fairly new account. On XX/XX/2019 my account was closed for no reason. Turns out they can close it at anytime without reason or notice. Then on XX/XX/2019 my direct deposit went to the bank. Instead of returning to my employer they accepted it. Dont know how you accept a deposit on a closed account. Anyways went to bank and was told they couldnt give me my money. Closing my account that has never been overdrawn is one thing but keeping my money is not acceptable. The total is just over {$2100.00}. They say it will be mailed to me. I use my debit card for everything so how do I get the things I need or pay my bills on time. I have good credit and plan on keeping it that way. I was one of five people this happened to last week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: TN
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:
Remove all accounts that don't belong to 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 2021-08-11
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
WE applied to refinance our mortgage with Better. We both had excellent credit scores and had loan to value ratios of 50 % or better according to all of the online valuation sites. Everything was going along smoothly until Better decided to have the home appraised. We received a conditional appraised ratio that had us at 40 % loan to value, but the appraiser noted that we were in the process of building a pool. We had informed the appraiser and Better that this was the case, but the pool would not be finished by the closing date. Things quickly turned with our broker at this point. XXXX XXXX NMLS : XXXX. Mr. XXXX began to threaten our loan all of the sudden. He gave us unrealistic deadlines for new paperwork and when questioned, he admitted they were not due on his threatened date, that he did so to give us impetus to get it back to him. He also quit returning calls and was constantly unavailable and would only respond to emails. At one point, after avoiding three calls in one day, he sent out an email, 30 minutes after close of business, telling us we must have something new completed in less than 24 hours. After jumping thrpough all of their rings, they used the unfinished pool as a way of not closing our loan. We are now out {$550.00} for the appraisal, of which Better retains {$100.00} for pure profit, and have had our credit rating lowered by their multiple inquiries. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2019 a Check No XXXX was stolen from my checkbook. On XX/XX/2019 the check was forged and processed through my bank account for {$400.00} I notified the bank Friday the XXXX of XX/XX/2019 when I noticed the funds were missing and filed a police report and filled out an Affidavit for Forged Check. I knew the date that the check was stolen because that was the only date anyone had been around me and my checkbook. 
The bank said that I did not keep the checkbook secure and would not give my my funds back. I had that account number for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CITIBANK, N.A.
State: UT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 ; I purchased 2 tickets to fly to XXXX via XXXX XXXX for XX/XX/2020. I attempted to contact the carrier while I was still within their refund window. Ultimately I spoke to someone at XXXX XXXX who told me that despite the airlines refund policy ; since XXXX XXXX had rescheduled the flight- the transaction was no longer refundable. Since air travel was closed between the United States and the XXXX XXXX ; I was unable to take the flight. 

I enlisted Citi card to help resolve the issue, as the charge was on my Double Cash card. After more than a month, I received a notice telling me they wouldnt be refunding the money. I did not receive an explanation, an invitation to appeal, or contact seeking more details on the transaction. I feel that I was scammed by XXXX XXXX and later by Citi card for failing to refund my money per the Contract of 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