BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
Company: CITIBANK, N.A.
State: CO
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:
Complaint number : XXXX I received a reply today from Citi bank saying that they did not resolve my complaint due to my not supplying proof of original and amended quote from XXXX XXXX. I did indeed submit this information. Attached are photo copies of my email with the attachments. They have had this information for 7 months. 
I hired movers who changed my quote via phone 3 days before my move. I did not use them but they charged my card {$760.00}. Citi bank will not help me resolve this 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 explanation
Consumer complaint received 2021-12-05
Company: Experian Information Solutions Inc.
State: PA
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:
Several accounts showing on my credit report are unfamiliar to me. These accounts appear on my file are showing without verification. In order for items to show on my credit authorization must be on file. I am requesting to see all verification documents submitted to verify these items.

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: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked that this company not communicate with me yet they call me on my cell phone using pre-recorded messages and leave voicemails. I do not like this at all they've called me over 6 times. 

They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message. 

This is my second complaint and I haven't gotten 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 2021-06-24
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
( 1 ) I have a XXXX XXXX CC from American Express ( annual fee {$450.00} ). Usually, I receive an annual statement credit of {$300.00} for eligible hotel stays at XXXX hotels. Due to Covid travel restrictions, American Express offered a {$300.00} statement credit for restaurant purchases ( dine-in and take-out ) in the U.S. between XX/XX/XXXX XXXX ( refer to my attachments for details ). The details were confirmed by Amex in a website chat on XX/XX/XXXX. I was automatically enrolled in this program ( see attachment 3 ), and I spent {$300.00} for restaurants during that time period ( see attachment 7 ).

( 2 ) However, Amex did not provide yet the statement {$300.00} credit as promised.

( 3 ) To clarify the missing credit, I've contacted customer service on the Amex website ( chat service on XX/XX/XXXX ), and I've called customer service twice ( in XXXX and XX/XX/XXXX ). They noted the details and promised the request would be clarified by customer service and I would hear back from them. But no luck so far. 
( 4 ) Thus, I would like to file a complaint about the missing statement credit of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Public record inaccurate. My personal information on the XXXX XXXX report is inaccurate. I disputed the information however it is still inaccurate. I have a copy of my driving record from the state department of Illinois State motor vehicle. I need the information on the XXXX XXXX report to coincide with what is on my legal report from the motor vehicle department of the state of Illinois my driving record.I want to dispute information on XXXX XXXX reference number XXXX. XXXX XXXX Phone : XXXX Opt 1,2 Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 # XXXX, has violated my rights. 

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

15 U.S.C. 1681 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 explanation
Consumer complaint received 2018-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I use XXXX XXXX from XXXX as a local money transfer with my peers and my bank, Capital One. I recently noticed that i am unable to " Cash out '' money from XXXX to capital one yet until Monday, XX/XX/2018, this wasn't an issue and to my surprise, it just stopped working. 
Consequently, Capital one has charged me for non sufficient funds in my bank account since automatic bills can't be paid. 
Instead of addressing the issue, both XXXX and Capital One recommended that I should attach to another bank but I do not have another bank. 

Per Capital One, the bank no longer supports XXXX XXXX, and according to the Bank, its because XXXX XXXX is not security compliant with the Bank 's standards. In my opinion, XXXX as a third party provider would have received a notification from the Bank about the security updates that was about to occur. And according to various standards such as XXXX XXXX, XXXX XXXX, XXXX and many others, both XXXX XXXX and Capital One have the obligation to notify the consumer that the app will no longer be supported due to non compliance in security ( which is a big issue ). I know this because I work in IT Security. 

Neither XXXX or Capital One has notified me of any changes ; XXXX  XXXX failed the testing from Capital One and refuse to take responsibility of this situation and it is left to me to deal with unwarranted fees. Consequently, those payments are being rejected and I am being charged late fees from all my service providers. 

I am a victim here because theirr operations do not follow industry 's standards and best practices and I would like a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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:
I do not recognize the accounts on my credit report, they are not mine and I have not authorized them.

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 2018-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I rented a car from XXXX on XX/XX/XXXX at the XXXX, airport, XXXX. They verified my Drivers License issued by the Illinois state in USA, my USA passport & XXXX Credit card and noted the details on my Rental contract. 
I was not provided an English translation of the Rental Contract, most of which was written in XXXX and I have no knowledge of the Spanish language. I spoke to them in XXXX only when renting the car and them very well knew that I could not read most of the terms and conditions written on the back of the contract. 
On XX/XX/XXXX while driving in XXXX I was stopped by the police for holding a cell phone in my hand. I was not using the cell phone. I produced my Drivers license and passport as requested by the XXXX police. XXXX police issued me a citation for driving in XXXX without a valid international driving license and seized my car. I immediately called the XXXX personnel and they spoke to the XXXX police personnel. XXXX police communicated to me that XXXX should not have rented the car to me without a valid driving license to drive in XXXX. 
Centauro personnel rent cars to numerous individuals everyday .Centauro personnel are required to only rent cars to individuals who are eligible to drive. They are all citizens and/or residents of XXXX and expected to know the XXXX law better than a foreign tourist. 
XXXX and its personnel have willingly encouraged me to break the law by renting me a car when they were fully aware that I did not have the valid documents to drive a car in XXXX. XXXX and its personnel have intended to benefit from renting a car to an individual who was not eligible to drive in XXXX. XXXX and its personnel have intended to benefit from actively encouraging an individual to break the law of XXXX. I am sure XXXX has actively encouraged numerous foreign tourists by renting them cars without a valid drivers license to drive in XXXX and profited from it enormously. 
Will XXXX or its personnel ever rent a car to a local kid or a local adult without a valid driving license to drive in XXXX? They just intended to benefit from defrauding and cheating a gullible foreign tourist. 
Centauro along with Bank of America Visa is trying to fleece me for the illegal rental transaction and including gas not consumed, citation, administrative charges amounting to USD XXXX. The actual rental amount due is less than XXXX XXXX XXXX and its personnel not only encourage a innocent foreigner to violate the XXXX law, but also want to further financially exploit the victim.

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 2021-12-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
These 4 payments were made XXXX XXXX by chase to the following in a fraud scam without my permission through XXXX whereas I dont know these as how? 

1 ) XXXX XXXX  XXXX {$990.00} 2 ) XXXX XXXX XXXX $ XXXX 3 ) XXXX XXXX XXXX $ XXXX 4 ) XXXX XXXX XXXX  XXXX XXXX XXXX JPMorgan fictitious Nos. Look like created by XXXX in association with chase bank to defraud costumers Please investigate and refund this money and also advise me where to report this fraud to higher banking regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already filed a complaint against XXXX XXXX XXXX XXXX  and this company is the debt collector for XXXX XXXX XXXX XXXX. My former spouse is responsible for my son 's health insurance and health expenses were to be charged to my son 's health insurance per our divorce decree. XXXX XXXX failed to charge my son 's insurance company that is the responsibility of my former spouse. As such, this debt is not mine and should be immediately removed from my responsibility and credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The purpose of my complaint is to gain assistance with retrieving my funds in the amount of {$3300.00} that is currently being held by SunTrust Bank also known as Truist Financial. I hired a company named XXXX XXXX XXXX XXXX to resurface my kitchen cabinets. On XX/XX/2021, wrote a check in the amount of {$3300.00} to XXXX XXXX XXXX XXXX to get the project started. After payment, XXXX XXXX XXXX XXXX informed me SunTrust notified them informing them that some sort of fraud activity occurred and as a result, the check I wrote of {$3300.00} would not be deposited into their bank account. However, the funds were already withdrawn from my XXXX XXXX account. As I was confused about what was taking place, I visited SunTrust bank to receive clarity and ask what can be done to rectify the issue, as well as retrieve my funds. While there, SunTrust advised me that they will research the matter and that I will receive a phone call advising me of the next steps. The phone call came and there was still no resolution. As I was tired of waiting, I emailed the CEO, XXXX XXXX in XX/XX/2021 and a person by the name of XXXX contacted me to assist. XXXX advised me that in order to resolve this issue, I would need to visit my bank, XXXX XXXX, and fill out a document entitled Whole Harmless. I did what was requested and was unsuccessful as XXXX XXXX required something specific from SunTrust, which I was not privy to. I phoned XXXX to advise of the situation and have yet to receive a response. I sent a follow-up email to XXXX XXXX XXXX XX/XX/2021 and to this date, no communication has been received. At this point, I am beyond frustrated and appalled that a company like SunTrust would steal money from people and think that they will get away with it. I am attaching all email correspondence and the front/back copy of my check to support this claim. 
Thank you for your assistance.

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 2018-01-22
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received A auto insurance bill for {$300.00} after policy was canceled although my premium was only {$110.00} per month. There trying to say they kept my police opern for three months with no payment. no way they would cover anyone for three months with no payment. I am willing to pay for the month I owe but they hold you hostage with the threat of destroying my credit for a bill I do not owe Please Help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Westlake Services, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Westlake financed a car for my now deceased mother. Westlake repossessed the car XX/XX/XXXX. No email, letter or phone car was given of repossession or knowledge of account so payment arrangements could be made. The car was repossessed by a company that rides around neighborhoods scanning tags. In trying to communicate with Westlake financial to receive a balance owed, persona items within the car and request a public auction The company received authorization from me, the death certificate. They 've denied our request multiple times. My items are being held. The company is not following e

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: EQUIFAX, 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:
My ex wife opened a credit card on line with my name and used the max credit Ans did not tell me until we got divorced. Ans she used my checks to pay the credit bill so bank is telling me its my problem I need to have XXXX removed it is causing a lot of problem for me. Its still with XXXXXXXX XXXX  not a collection agency. Ans account was over XXXX XXXX XXXX. Should be deleted. Hope u can help Resolving this major problem I m having. Tyx in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion does not have an address on my credit file which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX File Number # XXXX Date Issued XX/XX/XXXX The address is showing XX/XX/XXXX the address does not show on the report sent out on XX/XX/XXXX Credit report under Address Reported

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 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX has my address as an office on my credit file XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have attach a picture from google maps of XXXX errors

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 2021-12-05
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:
my information has been used since I was child since XX/XX/2008 I have alot of things on my credit report i did not do at all. i know my things was stolen so please removed all the things off my report. equifaxXXXX XXXX  for XXXX and a collection account XXXX XXXX for XXXX & inquries XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX XXXX XXXX all this is for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There were XXXX XXXX XXXX Money Orders that were deposited into my Bank of America account on XX/XX/2021 for {$500.00} each. The Deposit Slip confirms that funds will be made available XX/XX/2021. However, shortly after, I received an email from Bank of America which stated the following for each money order : " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' Please note that for every check or money order deposit that is received to this account, the very same statement is used as justification for a hold, yet no deposits have ever been returned. For this case, the issuer of the money order has been called and the money order has been verified.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX I reviewed my credit card statement from Bank of America and discovered fraudulent charges totaling XXXX. I contacted them on XXXX to report the fraud and a customer service representative indicated that the charges would be reversed pending an investigation. On XXXX I received a letter denying my fraud claim. I then contacted their fraud department asking about how to appeal that decision and was told I would have to contact the retailer XXXX XXXX XXXX that allowed the fraudulent charges and my fraud claim would be kept open. I, twice, by email, requested XXXX XXXX XXXX send me information regarding the fraudulent charges but they refused to give me information. I also sent information to Bank of America by mail indicating that there were fraudulent charges on XXXX. I filed a Identity Theft Report with the Federal Trade Commission on XXXX as well since it was clear that someone was able to use my credit card to initiate an agreement with XXXX XXXX XXXX in my name and continue to order items. As of XXXX I have yet to receive any communication from Bank of America and XXXX XXXX XXXX has refused my request for information. Therefore I am at an impasse and would like some assistance in resolving this issues.

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