BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: Incomm Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I found a vanilla visa gift card that someone gave me in the past. I have never used it. It was expired, so I attempted to contact the company to get a replacement card. The website simply says the card is invalid and to contact customer care. I contacted customer care on XX/XX/21, and was told I would be mailed a replacement card. I waited and waited, didn't get anything, so I called back. I was then told that I would have to wait until XX/XX/21 at the earliest to receive a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
To date PNC has refused to lift the restrictions to my having online access to my account This unreasonable restriction to online access to at account has been imposed for six consecutive months In fact PNC has been further financially exploding me as a XXXX, senior citizen client by intentionally sending multiple paper bank statement and charging inflated fees to intentionally cause my account to go into overdraft to intentionally impose overdrafts fees. 

PNC has also intentionally restricted all online access to my account that was imposed initially upon opening my account XX/XX/XXXX, I have no access to free online banking statement I am XXXX XXXX XXXX impaired customer whom recently suffered a XXXX XXXX, a few month ago. I informed PNC six months ago that I am not XXXX  capable of calling and visiting the branch, I can not XXXX  to ATM However PNC has no value for me as a XXXX customer, that they refuse to provide me with required reasonable accommodations, they refuse to refund me the XXXX dollars I was shorted upon initially opening the account XX/XX/XXXX, When I requested free of charge checks to access the account they refused. 

As I stipulated PNC has absolutely no value for me as a XXXX customer or they would at least stop being so petty, refund the XXXX dollars I was shorted, upon initially opening the account XX/XX/XXXX, lift the online restrictions, that is currently on my account, since XX/XX/XXXX and provide free of charge checks to at least provide me with some kind of access to the account. 
This isn't an isolated incident, PNC imposed unreasonable restrictions on prior account, to limit my access in XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello-I typically check my checking account every other day. I just returned from vacation this Sunday XXXX/XXXX/2018 and noticed there were several unauthorized charges. I barely used my debit card while on vacation, and resorted primarily to using my credit card. I called Wells Fargo, and they opened an investigation, however also relayed that fraudulent charges affected my Dad 's account too ( who is a joint account holder ). My online account was  suspended, and I was told I was going to have another debit card reissued and that my account information would change. I called back customer service to follow up ( as it has been three business days ), and have been on hold for going on 1 hour and 37 minutes and told that there are no specialists available. In the meantime, more fraudulent charges have appeared in my account, and my dads. This is an urgent matter as my Mom was socially engineered on Friday from a " Wells Fargo Representative ''. I think this matter should be treated as soon as possible. I do n't have the time to be on the phone with customer service for approaching now 2 hours. Please advise as soon as 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 2018-11-01
Company: Midwest Recovery Systems
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I left for basic training with the XXXX in XX/XX/2018, and during that time I was hit with a collection that was not mine. It stated that I had went to a medical office XX/XX/2018. And since then I have been hit 6 times with this creditor and there would have been no way I could have even went to this office because I was in basic training and couldnt leave. I have been able to take 4 off but there are still 2 on my account. Which is killing my credit score. I try contacting the office but it doesnt take me anywhere. Im only XXXX years old and I dont know what to do. Or how to get it to stop hitting my accounts. Please help me if you can, I dont want it to continue to ruin my credit. ( XXXX ) XXXX is the number to the office but when I try to call it doesnt work. Theyre called Midwest recovery system and I cant even find a real website on them. They first hit my account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, two on XX/XX/XXXX and the last one hit XX/XX/XXXX. Please help. I dont know what else to do other than trying to dispute but no one has been able to help keep them off permentaly. Every time I check my XXXX XXXX score it goes down in huge amounts because of this creditor. And Ive tried contacting XXXX and XXXX but nothing works.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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:
Shows a late payment for the month of XX/XX/2017 when card has not even been activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Ragan & Ragan, PC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We originally opened an account with XXXX in XXXX XXXX for {$550.00} and paid down the account balance extensively during that time up to the point of our daughter being hospitalized for 34 Days including XXXX for a major life-threatening medical issue and tried to pay through mid XXXX but could not make payments due to our daughters extenuating medical condition and financial circumstances due to a major job loss as well. This information was communicated repeatedly to XXXX XXXX and XXXX and was denied the access to receive a Hardship Program under the Credit Card Protection plan which would have released this debt. We were discriminated against in the process because we are XXXX XXXX-Americans and also U.S. Veterans who have served our Country well. Other Majority XXXX citizens are not treated this way and that is a proven fact based on statistics and research in the area of Credit Card Protection and Hardship Programs offered to them as opposed to XXXX XXXXAmerican U.S. Citizens. 

I also reached out to the XXXX XXXX XXXX  who XXXX XXXX sold the account to and raised concerns regarding the account balance and inflated interest rates and late charges which were incorporated into my account illegally. XXXX XXXX utilized false Misrepresentation tactics when they denied us access to the Credit Card Protection Plan and illegally denied us access after I was told to raise the concerns in XXXX when I reached out to them amid my daughter being released from the hospital. I also sent them a letter in XXXX of XXXX as well regarding our financial extenuating circumstances. I also raised the concerns regarding the Credit Card Protection Plan in the portal which were instructed to do by a Customer Service Representative for XXXX XXXX. However, no one reached out to us to resolve my concerns with this matter and it still has not been resolved to this date. 

Also, I requested that Ragan & Ragan Law firm to reach back out to XXXX   regarding a reconciliation account payment register and was denied this information today as well. We do not owe this debt because we were denied access to the Credit Card Protection Plan and we exhibited an extenuating Medical Circumstance regarding our daughter and was denied debt forgiveness, although XXXX and XXXX have forgiven others of their debt even without a Credit Card Protection Program with this type and/other extenuating medical circumstances. They just refused to release ours because we XXXX XXXX-Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: U.S. BANCORP
State: CT
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:
I was supposed to get rewards of XXXX under a special offer for XXXX XXXX XXXX. But I received only XXXX points upon fulfillment of offer conditions. Spoke to a rep a week ago, was told it would be fixed, but nothing happened. The bank rep told others were affected with the same issue. They asked me to mail the offer rather than searching what was presented to me on XXXX.2020.

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 2021-12-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I CURRENTLY HAVE AN OPEN ACCOUNT WITH THEM IN GOOD STANDING. 
I HAVE NEVER BEEN LATE HOWEVER THEY ARE REPORTING A 30 DAY LATE O TO THE CREDIT BUREAUS BACK IN XXXX OF 2019 I HAVE TRIED MULTIPLR TIME TO GET THIS RESOLVED BUT THERY ARE REFUSING

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer  contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under 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 2018-11-01
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the Citibank checking and savings account package in XX/XX/XXXX under a promotion, where I should receive {$400.00} bonus if i follow through with the terms of the promotion. The promo code was XXXX. O n XX/XX/2018 I deposited {$15000.00} into the checking account and {$200.00} into the savings account and held it there for over half a year.

I have since met the conditions under the terms of this promotion, and have repeatedly contacted Citibank about the bonus, but the calls went no where. Research case was also opened but there's no promised updates ( within 24-48 hours ).

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 2021-12-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: AFNI INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identify theft Amount : {$340.00} Collection : AFNI, inc Contact : XXXX This dispute was settled. I was a victim of identity theft. It was settled with XXXX XXXX by phone XX/XX/2018. Myself, XXXX, and XXXX XXXX was on 3 way. I don't know why is this showing on my credit report. It should not be in collections. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You  are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under 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 2021-12-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good day im XXXX XXXX XXXX, XXXX account number XXXX XXXX from XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX city, i've been transact with my customers on XX/XX/2021 amounting XXXX and then he will pay me thru paypal, suddenly paypal send me an email to put on hold with my money for several days. And later on paypal will freeze my money for more than XXXX. My paypal linked my gmail. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
State: MD
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 want this fraudulent inquiry removed immediately. Please correct. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not know the debt was due until i looked on my credit report. I have sent documents to this business asking to prove claim and to fill out the disclosure statement i attached and I did not receive a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I got my XXXX car loan from XXXX XXXX and had a credit score of XXXX at the time. I was told by the manager that my credit score is extremely low and that only the financial institution of Toyota would give me a car loan. He told me that he made efforts for a low interest rate of 19.34 % which I still have up to know. I told him that was very high but he strike back saying I am only making a {$4000.00} deposit on a {$33000.00} car and that I would be able to lower my interest rate after one year. I later found out that ( lowering interest rate ) was a lie because when I called Toyota they directed me to other unknown loaners who ended up messing my credit score more  without even lowering my interest rate XXXX cent. 
A friend to mine who lives in California told me Toyota and other financial institutions and car dealers were found guilty of discriminatory car loans to XXXX XXXX and that I should get in touch with the Consumer Bureau. I am XXXX XXXX and I am not making an accusation about Toyota of racial discrimination, but I would like to find out when I was given my car on loan on XXXX XXXX for a XXXX Toyota Highlander, was a 19.35 % loan acceptable or discriminatory. I have so far ask a lot of drivers in the same situation but I find it curious that some people with worst credit than mine had better interest than me from different Toyota dealers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: WELLS FARGO & COMPANY
State: FL
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:
On XX/XX/2020, Wells Fargo all of sudden closed my two personal credit cards ( ending with XXXX and XXXX ) and forfeited all reward cash and points I have earned for last 6 years. The total amount of cash back and points were worth about {$2000.00}. 
I have contacted their customer service several times and they had no clue what happened and didn't provide any helpful solution.

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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have sent in documentation on inaccurate information reporting on my credit report. The bureau has yet to reply or remove the items from my report. The letter was sent in on XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
{$330.00} was withdrawn from my checking account XX/XX/XXXX to satisfy a previous account that was closed XX/XX/XXXX with NFCU that did not have an outstanding balance. The last communication that I have had with NFCU with regard to this account that was closed was in XX/XX/XXXX and it was satisfied in order to open a new account with them which is still active to date. The bank advised that both accounts were active at the same time however they were not because I was not able to open the new account without satisfying the closed account. I have since had an auto loan with them in which I paid off early, a personal loan ( still active ), a savings account ( active ) as well as a checking account ( active ) and at no time did NFCU reach out to me outside of XX/XX/XXXX to discuss the closed account or any balance owed on the account instead almost 4 years later they debit funds out of my account without notice causing it to go into the negative. I asked that they send a copy of the last statement for the closed account they are collecting for as well as the 1st statement for the account that was opened around that time neither of which has been provided to me yet, I am asking that my funds be placed back into my account as it is not owed to them nor can they justify the lack of communication for almost four years on an account they believed to be delinquent that was satisfied. They could only advise that they do not send notices out nor do they call on delinquent checking accounts that are closed, please do tell how would a consumer know funds are owed on an account that was satisfied and not open at the time that the new account was established. I would like the last statement for the account they are saying had a balance as well as the 1st statement for the account that was opened in XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation