BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-24
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Dear CFPB : On XX/XX/XXXX, I clicked through the promotion link inside the advertising email from American Express . I upgraded my XXXX XXXX everyday card into XXXX XXXX XXXX card. Inside this offer, it clearly states that I can earn a {$250.00} statement credit after spending {$2000.00} in purchases on my new card within three months. 

From XX/XX/XXXX to XX/XX/XXXX, the amount of my total purchases is {$2700.00}, which has met the expense requirement. The prorated charge of the upgraded card annual fee was {$15.00} and my membership fee ( {$95.00} ) was renewed on XX/XX/XXXX. 

After I had waited for a while, I still didn't receive the {$250.00} credit. I reached out to the customer service over online chat. I was told that I didn't meet the expense requirement from XX/XX/XXXX to XX/XX/XXXX, therefore I am not qualified for promotion bonus. 

Either 1. the information provided by this customer representative or American Express system is wrong by mistake, or 2. American express intentionally provides the wrong date to avoid issuing promotion bonus. 

No matter either 1 or 2, without a shadow of a doubt, this error is made by American Express. Two reasons are listed below : 1. I have double checked and confirmed with the customer representative that my upgraded membership prorated charge covers from start day of the upgrade to the annual renewal date. I have also confirmed with the customer representative that my renewal date is XX/XX/XXXX and the prorates was calculated as per month- in my case : two months. Known the fact, American Express is in no position to neglect the fact that my upgrade date is XX/XX/XXXX. 

Online chat records are pasted below : " Now the {$95.00} fee is charged fromXX/XX/XXXXtoXX/XX/XXXX. '' XXXX- XX/XX/XXXX XXXX XXXX " So the next fee will going to charge onXX/XX/XXXX. '' XXXX- XX/XX/XXXX XXXX XXXX  " yes, We calculate the prorated fee as per month. So you were charged of {$15.00} for 2 months. '' XXXX- XX/XX/XXXX XXXX XXXX 2. The customer representative claimed that I called on day XX/XX/XXXX to upgrade the card, which is a complete lie. I asked for a copy of a chat or call script record or signature or verbal consent on upgrading my card on that date, the customer representative immediately took back his false claim and provided a simple apology for his untrustworthy and irresponsible behaviors : " My sincere apology for the fact that I mentioned the conversion done the phone, I overlooked the notes. Sorry for that. '' - XX/XX/XXXX XXXX XXXX I would appreciate CFPB to weigh in to enforce the correction of this error made by American Express. Because the customer representative refused to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry. i even called them and there is no proper person to speak with and i end up getting ignored and agitated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX Citbank closed two of my secure cards I have yet to receive my secure deposit back after they told me I would in no more than twenty four days.. they are now charging fees and money to accounts that they closed not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
XXXX  has not contacted me in 40 days and i still havent received anything delete all negative accounts not mines I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I have filed a complaint with the FTC due to your noncompliance with the FCRA. it has been over 35 days since I have sent my request to investigate the removal of the following accounts, and you have failed to comply with the FCRA. 
In good faith, I ask that you please reinvestigate the following items, and promptly DELETE inaccurate, incomplete or unverifiable accounts : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX   XXXX XXXX Balance Owed : {$0.00} AMEX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$0.00} AMEX XXXX Balance Owed : {$2600.00} XXXX XXXX  XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$1300.00} Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Copy of SSN ID and Proof of Bil

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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:
XXXX XXXX XXXX still reports that I missed payments, and that the loan isnt fully paid off. The loan was fully paid off, and no payments were ever missed. I have tried to fix this several times, but they will not send over a statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These are not my accounts nor did I authorize these companies to run my credit.

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 2019-09-05
Company: CURO Intermediate Holdings
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received the email below, but I have never spoken with anyone. I unfortunately defaulted on the loan due to unforeseen circumstances, but have every intention of paying it back eventually. 

CREDITOR : Speedy Cash Group CASE NO : # XXXX AMOUNT OUTSTANDING : {$750.00} This Proceeding issued on you Docket No : - # XXXX with one of SPEEDY CASH LOAN. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of Speedy Cash Loan has decided to mark this case as a flat refusal and press legal charges against you. We have sent you this warning notification about legal proceedings on XX/XX/2019 but you failed to respond on time now its high time if you failed to respond in next 48 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

In order to resolve this case outside of court you will have to submit payment of {$750.00} today. 

WHAT IF YOU WILL IGNORE We will simply filed the case against you for the three serious allegations, ( i ) Violation Of Federal Banking Regulation.

( ii ) Collateral Check Fraud.

( iii ) Theft By Deception & Money Laundering. 

You will be sue into the court house, where you have to pay {$4500.00}, which is including your bail charges, attorney charges, and court fees. Your employer will be contacted and they will be served with this legal notice. Your all bank accounts will be ceased. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 

IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT : mailto : XXXX Sincerely, Settlement Department, speedy cash loan XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 I received an email from regions bank that says {$400.00} Welcome Bonus I completed all the requirements & made the 10 transactions by XX/XX/2020 I waited after the 90 days to check on the bonus. I called 2 weeks ago after being transferred twice & spending hour on the phone Regions Bank reneged on the {$400.00} bonus. I went through a lot of hassle & stress to complete the deposit & 10 transactions by XX/XX/2020. 

I received a email that was misleading with a big Bright lime green banner that says welcome bonus. The email title said {$400.00} welcome bonus. 

Regions had a hidden fine print that was loaded with fees. Regions reneged on my bonus & gave me a - {$10.00} account that was sent on postcard..

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 2018-02-22
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
in XX/XX/XXXX my daddy XXXX  XXXX ciiti financial sent him letter were we lived an said they want to foreclose on a second mortgage we did not know about. XXXX XXXX my XXXX XXXX daddy had XXXX i took care of him and now is sole owner of the deed. so i started to investigate and found out that loan was satisfied in XX/XX/XXXX and he was paying XXXX dollars a month till XXXX that when they came after him. my sister was handling his money and the bills also upon my investigation i have that my daddy had a medical report in paper from a doctor that he 0 out three recall. the remaining balace from citifinancial was XXXX dollars. and of course when i provided them evidence that i still have they forgive that loan quickly i sorry i do not how to upload but i have a fax machine. here is some info ; estate of XXXX XXXX account ; XXXX son ; XXXX XXXX owner son address ; XXXX XXXX XXXX XXXX fl phone XXXX you probably know what i what. please morning call if you can my family want pursue thats real money THAT THESE PEOPLE STOLE FROM MY DADDY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: EQUIFAX, INC.
State: FL
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:
THE FOLLOWING ACCOUNT IS BEING DISPLAYED NEGATIVELY ON MY CURRENT CREDIT REPORT : XXXX XXXX. 

IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT REPORT. THIS ACCOUNT IF FROM XXXX OF 2014 AND STILL AFFECTING ME, I HAVE DISPUTED THIS ACCOUNT PREVIOUSLY SEVERAL OTHER TIME AND NOTHING HAS BEEN DONE. ARE THEY EVEN LOOKING AT WHAT'S GOING ON??? I AM VERY FRUSTRATED BY THIS MATTER AND I NEED THIS ACCOUNT REMOVED AS SOON AS POSSIBLE AND LET IT BECOME EFFECTIVE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2019 @ XXXX XXXX EST I called Citibank regarding a problem I had getting a copy of a check online. I spoke to a supervisor by the name of XXXX who told me she would send me a copy of the check via email but never did. I had spoken to three ( 3 ) people prior to speaking to XXXX. 

I just want a copy of the check. 

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 2018-11-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I suffered severe financial damages as a result of my deposits being held by Wells Fargo. I deposited a check on XX/XX/XXXX but Wells Fargo held the entire amount of the check ( {$6000.00} ) until XX/XX/XXXX indicating that my check was not endorsed. My financial obligations suffered adverse credibility because my check deposit was inordinately held. No advance payment was made to me on depositing the check. 
Many of my scheduled payments from my account with XXXX XXXX XXXX were returned and I had to pay several overdraft charges because Wells Fargo held my money. My utility charges, auto payments, and mortgage payments became delinquent and I believe my credit score was also adversely affected. I had many interest charges for late payments including late registration and a late fee for my child 's school. My family suffered serious deprivation as I was not able to meet my obligations to my sons and wife during the crisis caused by Wells Fargo. 
I have never had a check declined and I knew this check was valid and authentic but I was not given an opportunity to prove this. Regarding my inability to endorse the check, I requested the bank to call me to any branch in XXXX to verify that the check was deposited by me but my request was declined and Wells Fargo did not take any steps to mitigate my financial hardships until their predetermined date to release my funds. The company did not take any action to meet my requests for verification or return my check. I feel I was treated like a fraudulent person without an opportunity for a hearing. Wells Fargo simply predetermined when they wished to release my fund and held it until they so desired to release it without any regard to the hardships I was going through. 

One of the customer representatives had indicated that Wells Fargo would call the bank issuing the check for verification and availability of the money on the XX/XX/XXXX and the funds made available to me after an overnight processing on the XX/XX/XXXX but this did not happen. My checks with the bank that issued the check revealed that Wells Fargo did not contact them as of the XX/XX/XXXX to ascertain the authenticity of the check or availability of the money for payment of the check

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 2019-05-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My husband and I took out a car loan with GM Financial. Early this year, XX/XX/XXXX, we noticed that the company was not reporting our account information to the credit bureaus. They stated that they were " switching systems '' and could not report to the bureaus. I called several times over several months trying to find out when this situation would be corrected. The company, finally reported some information in late XX/XX/XXXX or early XX/XX/XXXX because I adamantly requested that they manually update the credit bureau. We thought that this issue was finally taken care of. However, we refinanced with another company at the beginning of XX/XX/XXXX. XX/XX/XXXX is the date that the account, with GM Financial, was paid off. They stated this would be reported on the next billing cycle, which would be XX/XX/XXXX. It was never reported. I have called numerous times in the last month to find out why this has not been reported and when it will be reported. I was told that this would be reported on XX/XX/XXXX. It is now XX/XX/XXXX, and GM Financial stated that they are again experiencing system issues. They are unable to report that our account with them is closed. My credit report still shows that I owe their company a little over {$12000.00}. GM Financial is unsure when they will have a solution to the " system issue '' that is not allowing them to report our closed account. My husband and I are unable to apply for a mortgage or look for another vehicle, because it shows that we are in way more debt than we are. The issues with this company have been ongoing for over 6 months. On top of these issues, the customer service was horribly rude and there was ZERO communication about the lack of reporting or issues that this company was having.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: GA
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 was advised that I can reached out to you all for help. I went to trade my car in and the man at the dealership said my credit would not allow it. I immediately signed up for one of those credit thingy and saw some things on my credit that is not mine. One thing that really stuck out was a bankruptcy. I called the Northern District of GA Bankruptcy and they lady at the clerk office told me that my social security number was not in their system and there is not bankruptcy for me. They told me to contact some company that has public records or something and the said the exact same thing so how is this possible smh. The other ones were XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX? XXXX and XXXX XXXX. I reached out to the FTC to let them know and the police here. I need help with this im doing this on my own and really need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received emails from my credit monitoring service about a score decrease and potentially negative records being added. I went into my credit file to find out what the problem was. 

I found that a new collection account had been added to my credit resulting from XXXX attempting to collect a debt. I closed my account with XXXX in XXXX of XXXX. I personally took all of XXXX 's equipment I had in my possession to the XXXX   store located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX on XX/XX/XXXX. I was prepared to pay anything I possibly owed but I was told by the representative that nothing was owed on my account, and I was good to go. They said that XXXX bills are billed ahead of time, and I was paid up. 

Fast-forward to XX/XX/XXXX, I received the notification from my credit monitoring service that a record from SOUTHWEST CREDIT SYSTEM was added to my credit report. Not recognizing the charge, I called them to find out that it was from XXXX. 

Prior to this notification from my credit monitoring service, I received NO notification that I even owed XXXX anything. I called them and they could not tell me any details. They just told me that I had an outstanding bill. However, they did agree that it was strange that this attempt came out of nowhere, almost two years later. After multiple calls and attempts, I reluctantly paid the bill on XX/XX/XXXX, just to get it off my credit. My credit still has not fully recovered, and I'm still not convinced I really owed the {$220.00} that I paid.

Company response to consumer: Closed with explanation