BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a 0 % interest card with Bank of America ending XXXX. They denied the application. Then a few days later I received a text that the account was approved. 

After the account was approved, I activated the card and they put an immediate fraud hold on the account. I called the fraud center and they removed it. I attempted to use the card and they put a second fraud hold on the account. I called again and was told I needed to go into a banking center. 

I went to a banking center and was told that I would have to return with an appointment. I made and appointment and returned. I was there for 30 minutes. The took 2 forms of ID, personal information and verified me on the app. They removed the fraud hold. 

A few days later I attempted to complete a balance transfer and received an email that it was rejected and I needed to call. I called and completed the same balance transfer again.I asked for the reason for the rejection and there was none. I received the disclosures from the representative, listed to them in an audio recording, and verified the transfer several times while being recorded. I received a confirmation that the balance transfer was submitted. 

The next day I received an email that the balance transfer was not completed. I called and there was another fraud hold on the account. Then they transferred me to the fraud department who once again insisted that I needed to go into a branch ... for the third time in a week. When I asked why, they stated that they had no record of me being in the branch. I was in the branch for about 30 minutes and they verified my account in several ways including two forms of ID and through a code sent to my cell phone. I was again told Bank of America had no record of this. 

I immediately asked to speak to a supervisor. I was put on hold and then suddenly the fraud alert was removed and I was told to call the balance transfers department again. I am currently on the phone with the balance transfer department. They just informed me that I need to call the fraud department. 

In essence, I have a card offer that can not be used and the time to complete the balance transfers for 0 % is ticking. There is nothing I can do to remove the fraud hold or use the card. I would not have applied for this card if I was aware that I would never be able to use it at the promotional rate.

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 2023-08-03
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:
My credit report shows late payments to XXXX XXXX XXXXXXXX XXXX XXXX & XXXX - XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: The CBE Group, Inc.
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:
A CBE Group text me to collect a debt and I dont owe anything for anybody. The text reads : This message is from the CBE Group, a debt collector. Please contact us at XXXX or XXXX. Reply 'STOP ' to stop texts to this number. 
The phone number it came from is XXXX ( XXXX ) XXXX. I dont know who they are!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Netspend has sent me cards before. I have no interest in ever doing business with them. Reviews are horrible and have many reports of losing people 's money. 

My issue is they sent a card that needed only to be activated that I never requested. Now more then once. This company does nothing for a consumer.

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 2016-07-08
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is an extension of case number XXXX filed on XXXX/XXXX/2016, which states : " I opened a Citigold checking account under promotional terms that would award me XXXX Citi ThankYou points after meeting certain requirements. I had met the requirements in XXXX 2016 and waited the mandatory 90 days before miles would be posted. I also had an agent confirm on live chat on XXXX/XXXX/2016 that my account was indeed enrolled in the promotion and that I had fulfilled the requirements. But yet Citibank would not and has not honored the promotion. '' The company 's response on XXXX/XXXX/2016 was : " XXXX XXXX, please accept my sincere apology for the inconvenience you described. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you had cause for dissatisfaction under any circumstance. I assure you that our marketing strategies are certainly not intended to mislead you. Citibank, like other banks, periodically offers promotional bonuses to deposit account applicants to attract new clients. In order to conduct our promotions in a manner consistent with sound business, we may customize offers by direct mail campaign initiatives to select individuals ; in addition to the requirement of the standard terms and conditions that Citibank discloses for its promotions. 

In our review we found that the offer in question, promotional code XXXX, was not directed to you. However, Citibank fully respects any obligations made to you by our representative on XXXX XXXX, 2016. Therefore, we are honoring your request and the XXXX ThankYou points will be applied to your ThankYou account within 30 days. 

Thank you for allowing us the opportunity to respond to your concerns. '' I have since responded again on XXXX/XXXX/2016 with : " A day ( XXXX XXXX ) after receiving your response, I received another letter ( attached ) in my Citi online banking account. It stated " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. '' While that is partially in-line with the CFPB letter dated XXXX XXXX, the latter XXXX XXXX letter did not indicate the promotion would be honored nonetheless as the CFPB response letter did. And while it has yet been 30 days, I have not received the points thus far and I am unsure at this point of the direction of resolution. Please re-assure that the XXXX ThankYou points will be applied to my ThankYou account as soon as possible. Thank you. '' I did not receive a response from that latest message. Now that 30 days has passed from the initial promise, I have yet to receive the promised XXXX points.

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 2023-07-25
Company: Bull City Financial Solutions, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report to find a fraud collection account reported for {$110.00}, opened XX/XX/, with the original creditor as XXXX XXXX, from Bull City Financial Solutions , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX, phone number XXXX. I called this company and a man by the name of XXXX answered. He stated, after asking me for the last 4 of my SS # and birthday and name, that he has no account listed for me. I then called XXXX XXXX, they stated they have no account ever listed under my name or personal info either. I called Bull City back a second time. The same man, XXXX answered. I proceeded to ask him for documentation to be emailed or mailed to my home stating, on letter head, that he or the company has no information or an account for me. He refused to do so then proceeded to ask me for my husbands birthday, name and last 4 of his SS #. I hung up on him. I called the same company back a third time to see if someone different would answer to verify my suspicion that this man is scamming me and others. XXXX answered again, I hung up. I have called XXXX XXXX for a second time and they are sending me, via email, an affidavit to fill out and stated once that is completed to file a police report. I have also called all 3 credit agencies to file a fraud claim and dispute this collection attempt. I have researched Bull City Financial Solutions , Inc. on XXXX and there are many complaints for this man/company trying to get money from innocent people by filing a collection report on their credit report. This man/company is scamming people out money for his own benefit. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A certified letter original dispute with Chex Systems has been sent to address : Chex Systems Consumer Relations, XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX. A requested is sent to them to correct the negative information from the XXXX XXXX XXXX which they are making fraud and black mailing the consumer by the inserting negative information which is 100 % wrong need to fix immediately and removed from the XXXX XXXX XXXX and Chex Systems. A attorney letters and my numerous requests have been sent to them but no action is being taken place. Several complaints have been forwarded to you in this regard for immediately fixing and the removal of wrong and negative information from XXXX XXXX XXXX and Chex Systems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Uber Technologies Inc.
State: TX
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: Information belongs to someone else

Complaint:
XXXX  and XXXX has been spying through my old XXXX XXXX XXXX XXXX since I bought it back in 2013 in XXXX. I used to own a XXXX XXXX which was totaled in XXXX, IL. 

I used the money from my XXXX to purchase the XXXX. The XXXX was my only mode of transportation and carried me on countless trips back and forth to XXXX XXXX, and the Texas area. I no longer own the car, however, I continued to receive " promotional '' content regarding the vehicle. I believe XXXX  and XXXX are spy agencies geared towards controlling the world using their drivers, cars, and illegal XXXX XXXX XXXX   schemes to force the world to think, act, and believe anything they say. I will never work for them again in any capacity, and ever since I began working for them, I have been unable to escape their greedy illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The student loan debt listed on my credit report should have been discharged in XXXX  under Bankruptcy XXXX # XXXX it has been on my credit report and no changes were made to remove it despite the many requests. this is unlawful and has impact my credit score tremendously. Additionally, when trying to refinance my mortgage, I was told there are 2 entries for student loan debt - ( 1 ) XXXX XXXX and ( 2 ) XXXX  XXXX basically destroying my debt to income ratio ; I never owed XXXX XXXXXXXX in student loan debt. Any and all student loan debt needs to be eradicated from my credit report based on the bankruptcy documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. : XXXXBalance {$2900.00} XXXX XXXXBalance {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: CA
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:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/XXXX, Chase mailed and offered a balance transfer promo with a promotional rate of 0 % that " applies through your billing cycle that ends in this month XX/XX/XXXX. '' ( Quoted direct from promo mail. ) However, when I called on XX/XX/XXXX to inquire the customer service representative said that 0 % promotional rate would stop applying " XX/XX/XXXX. '' ( Quoted customer service rep 's words exactly as when the end date of the promotional rate to be applied would be. ) Therefore, Chase haphazardously or intentionally would receive one whole month of interest that would have been unbeknownst to me if it not was for my inquiry. Thus, the advertisement is misleading. Many customers are potentially at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have initiated a correction with Transunion, XXXX and XXXX  regarding the status of a student loan that is showing 90 days past due on all three of my credit reports. I have submitted documenting twice to all three companies to show there was an approved forbearance. After the initial 30 day investigation, nothing was updated and I was told to resubmit the paperwork for all three to re-investigate. All there have requested the info for the re-investigation via mail, on line and fax. I am unable to access an account information that is sent to me, the sites keep saying my information is not correct and while speaking with each company no one seems to understand and or provide any information. When asked to speak with supervisors I am wither hung up on or transferred to a line no one answers. 

I understand that opening an investigation, the companies are supposed to investigate, when asked how they conduct the investigation they have no answer and seem to loose or misplace the documentation that is sent directly to them. The work is already done for them in providing the documentation, which I had to do to actually fix the issue. 

I have received emails from all the companies setting the dispute is completed but when I call they state they are still investigating. How can both be true? I am just looking for my credit report to be accurate. It is a shame that the reporting agencies actually have the power to provide details about an account under the guise of we investigated.

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 2023-07-26
Company: AMERIS BANCORP
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
ON XXXX XXXX AT AMERIS BANK XXXX XXXX XXXX XXXX XXXX I APPLIED FOR A LETTER OF CREDIT AND A BANK ACCOUNT AND I WAS DECLINED WITH 1 TO 2 HOURS..It was a violation of The Fair Credit Reporting Act,15 u.s.c. 1681 et seq..CHAPTER 542, FLORIDA STATUTES , CHAPTER 517, FLORIDA STATUTES , CHAPTER 68, FLORIDA STATUTES , CHAPTER 501, PART II AND CHAPTER 895, FLORIDA STATUTES.AND MY DOCUMENTS/INSTRUMENTS WAS NOT RETURNED WITH MY PERSONAL INFORMATION ON ITOR A DECLINED STATEMENT LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: LA
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 noticed numerous accounts on my credit report that I did not open. I have listed the accounts them. I have also attached an identity theft report. I have also attached the dispute letter previously sent including documents to verify my identity. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a Bluebird prepaid debit card with American Express. On Tuesday XX/XX/2018 I received an email stating that I needed to verify my account or that it would be deactivated. On Wednesday XX/XX/2018 I had a scheduled direct deposit of my paycheck going to the card, which indeed posted, however only minutes later, someone assumed my account and made 2 unauthorized money transfers to someone named XXXX XXXX. The first was in the amount of {$47.00} ( XXXX ), the 2nd transfer was for {$1000.00} ( XXXX ). This left my family with {$0.00} total - I immediately in less than an hour contacted American Express upon receiving the email notifications of these sent money transfers, however they stated that the money was already gone. They opened the fraud claim investigation. I filed a police report with XXXX XXXX police department in XXXX SC. Friday night XX/XX/18 they emailed me stating that my claim was denied because the transfers were authorized. I insisted and they reopend the investigation, per their own policy they state that they may take up to 45 days to conduct their investigation, however a provisional credit will be issued if it exceeds the 10th day, and that I would have been made aware of the progress being made, and I've heard nor seen anything and the 10th day was on XX/XX/2018. I forwarded them the screen shots of the emails that are still actively coming to me to " verify '' my account as well as gave them information pertaining to where the police report was filed at,.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2021-01-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Amazon has demanded payment on their store card for charges that I didn't buy. They have not credited me for purchases that I didn't receive or did not order.

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