BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reported to TransUnion that the account with XXXX XXXX XXXX has been paid in full yet they will not remove it.

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 2018-07-05
Company: CCS Financial Services, Inc.
State: AL
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 am unaware of the debt that is on my credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2018 sent in two payments in the amount of {$60.00} XX/XX/2018 sent in two payments in the amount of {$60.00} These payments are done via electronic transfer American Education Services does not show any payments. 
XX/XX/2018 had the bank send proof of XXXX payments. AES still calling me daily. 
XX/XX/2018 called AES to confirm a resolution has been made. They received proof of 1 payment and applied it incorrectly. XX/XX/2018 had my bank send proof of the 2nd {$60.00} payment from XXXX XX/XX/2018 in my conversation with American Education Services they could not confirm that they received the 2 payment from XXXX, so now I have to call on XX/XX/2018 to confirm that they received the 2 payments from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: PNC Bank N.A.
State: VA
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:
My husband and I paid our credit card balance of over {$11000.00} in full on XX/XX/2021. We asked the representative for the full pay off to include any interest. She made a mistake and did not add the interest. When we received the XXXX bill it reflected a balance of about {$25.00}. I called in and the representative apologized for the error and stated he would waive it as a courtesy for being a 15 year patron and just paying off a large sum. However, I did not waive it and instead it was reported to my credit file as a 30 day late payment. I called back immediately upon discovering this and they said there was nothing they could do it is automatically reported by computer software. I filed a dispute with them and with the 3 credit bureaus and those disputes came back unresolved. The information is not correct and I want it corrected. I am a 15 year customer that has never had a late payment, ever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2022 - For the past 2 days I have been unable to access my online credit card account with Barclays. Message states for security reasons we have locked access to your account. It then prompts to change password. After changing password I get another message stating Were sorry online access to your account is unavailable. I contacted Barclays 6 times over the past 2 days. I was told they are doing a system upgrade and account access should be available in 3 hours. After calling 6 times over 2 days I still dont have access to my credit card online account. I have 3 credit cards with Barclays. I am unable to make payments and unable to view statements. It is imperative I have access. All my accounts are current and in good standing. Looking online I see many consumers having the same issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Case # XXXX is the reference number for this. They want to resolve this by having me make a payment. This debt is around 2800.00. I can't afford that and could not go high for a settlement because I have only SSD which can not be garnished. It is my only income. They threatened to keep the judgment on me for 20 years. They are trying to ruin my life. And I have no money to give. I included what I own in last case and it's 300 or less. This is harassment and scare tactics. I am going through the cfpb to keep everything on a record to protect myself. Please stop checking my credit and other finances which are none. I even received a letter that I wasn't allowed to have a block on my credit while I was going through ID theft. You can't do that. I want to be left alone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
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 a BMO Harris Smart Advantage Account and a Platinum Money Market Account in XXXX, XXXX via a promotional offer that promised 1 : {$400.00} for opening the Smart Advantage Account and having direct deposits totaling {$6000.00} within 120 days of opening, enroll in digital banking, and have 10 transactions posted to the account within 120 days. 

2 : Earn 2.05 % Annual Percentage Yield ( APY ) when you open a Platinum Money Market account with at least {$5000.00}. 

3 : Get {$100.00} bonus just for opening a checking account and a Platinum Money Market account. You must open the PMM within 30 days of opening the personal checking account. 

I'm having two issues. 

1. I did all three above, and recieved the {$400.00} bonus on XX/XX/XXXX. I have yet to receive the additional {$100.00}. I have sent numerous messages to BMO Harris. I was assured at one point that I would get it by XX/XX/XXXX. Once that didn't happen, I sent a message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All with NO response. 

2. My second issue is I believe their offer of a higher APY was a bait and switch, as I earned 1.91 % on my XX/XX/XXXX statement, 1.81 % on my XX/XX/XXXX statement, 1.70 % on my XX/XX/XXXX statement, .53 % on my XX/XX/XXXX statement, and .25 % on my XX/XX/XXXX statement. I understand that they have the " right '' to lower APY, but  this was deceptive of them. 

I have a copy of the language that I had possession of when I signed up for the accounts. BMO sent me DIFFERENT language when trying to get out of paying me the additional interest.

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 2018-04-20
Company: DISCOVER BANK
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: Add-on products and services

Complaint:
I purchased a bike with my Discover Card in XX/XX/2017 for about {$530.00}. I was encouraged to use my Discover Card because they have a program offering insurance for products that are damaged, stolen, or destroyed at any point within a few months of the purchase. 

My bike was stolen in mid-XX/XX/XXXX, just over two months later -- my house was broken into and two bikes were stolen. I filed a police report. I do not have renters insurance because I could not afford it where I lived. Discover Card told me that they were rejecting my insurance claim because the policy does not cover " used goods. '' I purchased the bike used, but it is fairly easy to assess the value of the bike, because both used and new bikes are well-understood consumer goods in an extraordinarily competitive market that has been around for about 130 years. 

The bike would have cost $ 2000-3000 new, and I didn't think it was a huge steal at {$500.00}, but I also didn't think it was, by any means, expensive. I cited as examples of the value the fact that a new groupset ( drivetrain, brakes, and shifters ) of that caliber would cost way more than what I paid for the bike, and, plus other components, it ended up being a good deal. 

The insurance policy was not outlined clearly in Discover 's terms, and they had a third-party insurance provider, XXXX, which was VERY difficult to work with. THEIR underwriter, in turn, XXXX, opened a case to look into it but never followed up and I was unable to reach them after that. I appealed the initial denial to both Discover and directly to XXXX and no one ever got back to me except to say that my claim was unequivocally denied because the goods were used. Beyond the fact that these are stupid terms in the first place, I'm unclear on why the denial happened. 

I'm not a high-income individual. I use a bike to get around because my car was totaled in an accident and because insurance in XXXX is outrageously expensive, I couldn't afford collision, so now I take the bus. I am trying to pull myself up by my bootstraps, like XXXX XXXX and them say I should, but this is the sort of predatory and dishonest practice that you guys should be going after. 

Thanks for taking the time to consider my dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Experian Information Solutions Inc.
State: MS
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:
After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with verified and updated. After calling them, they told me if I believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my Experian credit report. Regarding the following inquiries. 1 ) XXXX XXXX   XXXX Inquiry from XX/XX/2017, & AGAIN on  XX/XX/2017. I have disputed these unauthorized inquiries for several months with no help from the companies or Experian. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature from all companies inquiries. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent. XXXX XXXX XXXX is a third party for another company and keeps telling me that they will not investigate these two inaccurate inquiries that they requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or XXXX XXXX XXXX. It is NOT my job to track all of these companies down. These are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. I am asking for these unauthorized inquiries be deleted from my credit file immediately! XXXX  & XXXX  have deleted these unauthorized inquiries and now I am demanding that Experian do their job and abide by the laws!!

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 2019-04-08
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:
I applied for the American Express Gold Delta Skymiles card on XX/XX/XXXX. The offer was to earn XXXX Bonus Miles after spending {$3000.00} in purchases within the first four months. 

I spent on the card well over {$3000.00} in the first month after receiving the card. I did not receive the XXXX Bonus Miles in the first statement from Amex. I called on XX/XX/XXXX and I was assured by Amex rep that the XXXX Bonus Miles will appear in the next billing statement ( please refer to phone recording ). Of course that did not happen. 

I called again Amex on XX/XX/XXXX and spoke with XXXX ( or XXXX ) who opened a case file # XXXX and was told to wait six to eight weeks. I waited ... and waited and finally called back on XX/XX/XXXX ( after about FOURTEEN weeks ) to inquire about the missing XXXX Bonus Sky Miles again. It was obvious from the initial rep that I was to be given the runaround again with the mantra " I placed a note in your file to look into this ''. I asked to speak to a supervisor. I spoke to XXXX ID:XXXX and became obvious to me that he wanted to get rid of me and even told me FALSE information that they had nothing to do with this as XXXX XXXX is responsible to give the miles ... which is absurd, if not laughable. Of course XXXX 's supervisor was busy. Again, I was told that someone will look into it ... .Fourteen weeks is not enough? 

If this is not bait and switch I don't know what is. 

If not resolved, my next step is to write my Congressman, file a small claims court case and write to the American Express CEO. 

Thank you for any assistance you could provide in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX and XXXX were able to delete this debt. What are you showing that proves and keep you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well. Also, in accordance with The Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US 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 2018-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent multiple disputes letters via certified mail asking for validation of debt. I know my rights and the law for consumers and a statement of charges and/or a balance due on a letter head is not sufficient validation of debt. Please provided validation or delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened account and Chase decided to close it a month later. I asked them to refund the annual fee since I was unable to use account due to their decision to close it a month after I opened it and not getting the years service they charged me to and they refused. Want account closed zeroed out all purchases have been paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Requested an NON E-OSCAR reinvestigation in a dispute filed against XXXX XXXX XXXX XXXX  ( acct. # XXXX ) on XX/XX/XXXX, on XX/XX/XXXX Trans Union claim they finished the dispute process, in one day.I find it hard to believe they contacted the company outside its E-OSCAR system and received results in one day.Current litigation was resolved with this company and a NEW UNIVERSAL DATA FORM was submitted, but Trans Union continues to violate Federal statues simply parroting its E-OSCAR system.

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 2021-05-02
Company: WELLS FARGO & COMPANY
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:
I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; WELLS FARGO BANK is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. WELLS FARGO BANK is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : WELLS FARGO BANK XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.

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 2020-12-14
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I attempted to use my debit card ending in XXXX and was not able to use the card. I called the bank and was told my account was placed on hold because I had tried to deposit a check into an account that I closed and it was determined to be from a closed account. The sad part about this is that the account they claimed I tried to put the check into was closed by me a month prior. I explained to the representative that it wasn't me and that the account was hacked which was why I closed it from the beginning. Well, she explained that they were closing the account anyway and that I could go to a Citibank to get my funds. I went to the Citibank closes to my home only to be told that they couldn't give me the funds because the account was on hold and they couldn't access it. I called Citi customer service again and was told that I could go get my funds. Well, that never happened. Here we are months later of calling. I called XX/XX/XXXX and spoke to someone about the account closing and again was told I had to wait 60 business days. Called again on XX/XX/XXXX, was told my account was being submitted to be closed. Called again on XX/XX/XXXX was told to call back in 48 hours. Called again today which is XX/XX/XXXX and was told that the account was still under investigation after its been 60 days. I am at a loss. They have {$950.00} of my money and has failed to give it back. They have no reason to keep this account open and are collecting interest on my money. I have called them time and time again and still no response. All I want is my money. Citibank is a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This issue has to do with XXXX XXXX XXXX DBA Shellpoint Mortgage.

Issue : My father passed away and I am the executor of his estate. Shellpoint has refused multiple attempts to send a check to the estate which is due to it to the amount of {$2800.00}. We have requested that the check be made to the estate with me as the executor and they have never complied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation