BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020, I applied for XXXX XXXX XXXX XXXX and was accepted. Two weeks later, however, I was restricted access due to a credit issue with Bank of America. I spoke and tried to fix the issue with Bank of America, and even made sure my closed accounts were paid, but they failed to change the status. Instead, they left the status to " account fraud '', as it's automatic in the system that they automatically close an account if there is suspected identity theft. I had not been with Bank of America for quite some time already ; more than two years already, and I still have this marking. 

Numerous times I have tried to speak with XXXX XXXX XXXX to fix this issue. I even went back to Bank of America, but they told me to dispute with XXXX XXXX XXXX. The response I kept getting from XXXX XXXX XXXX was that they found the information to be accurate, which was not the case. -- There was no identity theft and this is forcing XXXX XXXX XXXX XXXX to deny me access. 

I would like to escalate this further, and kept getting delayed because of XXXX XXXX and my XXXX XXXX XXXX to help keep myself and family financially prosperous in COVID-19. 

Consumer ID : XXXX Contribution Ref # : XXXX Principal Loss : Fee Reversal : Combined Loss & Fee Reversal : Paid/UnPaid/Settled : Unpaid Contribution Reason : Checking Account Fraud Contributor : BANK OF AMERICA Bank Routing # XXXX XXXX Account # : XXXX Account Type : Primary signer Attached is my security appeal for the restriction hold fo my XXXX XXXX  account number : XXXX Other parties involved -- - XXXX XXXX XXXX , XXXX ; XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-01-29
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX applied for a {$350.00} loan, filled out everything, got the loan. thought all i would have to do was pay off the loan, plus a small fee, and that would be it. 

What i didnt know until my loan was approved was the inetrest rate of 597 %. 

I did some checking, and also found out that they are not even licensed to do business in the state of CA where i reside currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX is reporting a debt on my credit report for {$170.00}. 
This agency is not licensed to collect in my state. 
I disputed this with Transunion and they did not remove the account.

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 2018-01-29
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I bought {$100.00} of bitcoin via coinbase. On XX/XX/XXXX I authorized coinbase to transfer {$87.00} from my Coinbase account to my XXXX account. The money was transferred but it also debited me another {$87.00} as if I requested another {$87.00} out of my bank account. There is no {$87.00} pending in my Coinbase wallet. I have no idea where that money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Choice Recovery, Inc.
State: WA
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:
Choice Recovery Inc is reporting a debt on my credit report for {$170.00}. 
This agency is not licensed to collect in my state. 
I disputed this with XXXX and they did not remove the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/21 Opened Citi Accelerate Savings account online and funded account via ACH transfer from my external personal checking account. 

XX/XX/21 Initiated a wire transfer online as Citi to send of the funds back to my originating external checking account, to eventually be transferred to my brokerage account. The wire was placed on hold, and never processed. 

XX/XX/21 Received an email from Citi wire transfers, requesting I call them for verification. 

XX/XX/21 Called Citi to verify wire. Representative told to call back XX/XX/21. 

XX/XX/21 Called Citi ( XXXX ) as requested, verified my identity as requested, and I was told account is under internal review which takes up to 48 business hours to complete. 

XX/XX/21 Called Citi ( XXXX ) for an update, and they told me they sent an email to internal fraud requesting update. 

XX/XX/21 Called Citi ( XXXX ) for an update, and they said they would send an email to their supervisor to expedite the issue. 

XX/XX/21 Account is still locked, with no access to funds. Cant use ATM card, or initiate an external transfer. 

When looking at complaints about Citi on XXXX, I see that this is a common complaint about Citi. Canned responses from customer service, and deadlines for responses not being met, locking people out of their accounts, with no recourse.

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 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
To whom it may concern, In the last couple of months I have been working on verifying and correcting any incorrect reporting on my credit bureaus.

On my TransUnion report I came across a collection that I was unaware of with a company called XXXX XXXX that only did credit card processing for a now dissolved company I was an XXXX  of. They are reporting a loan installment which I have never had a loan with them. With the contract entered with XXXX XXXX they collected all fees prior to disbursement of funds that were processed. 

I proceeded to dispute this reporting with TransUnion on XX/XX/2021. No response were files from XXXX XXXX and TransUnion removed there record on XX/XX/2021. However this company proceeded to report this item again on XX/XX/2021 which is a violation on the statute of limitations. 

I proceeded to contact XXXX XXXX. And was advised some fees were not collected prior to disbursement and which they attempted to collect from my bank account which returned for closed account. Since business was closed. 

XXXX  have not attempted any sort of collection efforts by mail or calls to avoid and delinquent balance and when disputed no response or proof was provided. They have also violated my rights to attempt to collect on the debts and responding to TransUnion within the 30 days time frame. I was never given any options to resolve the matter. 


Thanks

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 2018-01-29
Company: WELLS FARGO & COMPANY
State: NJ
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:
On XX/XX//17, I applied online and was approved for a XXXX XXXX XXXX XXXX XXXX. This card comes with a 20,000 point promotional offer after spending {$1000.00} in 3 months. 

The card received was a Wells Fargo Platinum Rewards which is a different card that I applied for,

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 2018-01-29
Company: Bread Financial Holdings, Inc.
State: CA
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 purchased 1 item with XXXX, when i received notification from USPS that the item was ready for pickup I went to pick it up. At USPS the worker advised me it was 2 items. I advised him that i only only ordered/wanted 1 of the items not 2. I noticed that it was 2 of the same items because the box was the same weight, size and shape. He also noticed it as well. He advised me that I could refuse 1 of the 2 shipments, which I did. On the electronic signature he wrote " REFUSED ''. For the 2nd item I signed for it because I received it. A few days later I returned the other item that I actually ordered. Few days past and i notified XXXX, which they told me to contact the seller XXXX and XXXX bank. I contacted XXXX, XXXX and XXXX. XXXX and XXXX ( seller on XXXX ) where not responding with the return so after a few calls, emails and letters to both ( XXXX and XXXX ) I contacted XXXX opened up a dispute and mailed them all documents with proof of the return, emails to XXXX and XXXX of them being non-responsivness. I waited around 2 1/2 months for XXXX to send me a letter saying that they have removed the credit on my account for the charged and placed the charge back on my account. The cover letter from XXXX advises me of a different customers dispute, not mine. I called XXXX and they advised me that they had to side with the merchant because of what the merchant submitted. I advised XXXX that the merchant didn't provide proof that I signed for the goods, but i provided that i shipped it back to them. XXXX told me that they did receive everything from me, but they couldn't help me. I contacted XXXX via chat and they said they will look into this again for me especially with what i told them and with what she could see on her end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX, Equifax, or XXXX any written consent to report anything on my consumer report. No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ). Also, the bankruptcy court doesn't disclose information with no third party, I also included a letter from them saying this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
2nd letter sent by certified mail to XXXX, XXXX, Transunion & XXXX XXXX they all have lied they Never Ever received my letters to have all of the accounts I listed should be VALIDATED not a verification VALIDATED they have refused to start an Investigation started stating no Certified Mail was received which is a Lie it was received on XX/XX/XXXX the Investigation need to be done by XX/XX/XXXX tracking information can be given if requested I have spoken with a XXXX, XXXX, all have lied & XXXX was very nasty & rude I DEMAND that all accounts be VALIDATED by XX/XX/XXXX & results be sent by email to XXXX along with all Inquiries listed on credit file to be VALIDATED XXXX on XX/XX/XXXX & XX/XX/XXXX with an Collection acct. under XXXX XXXX # XXXX for {$870.00} that needs to be VALIDATED they have removed Accts from this file that was not disputed or was asked for them to investigate acct named XXXX XXXX XXXX # XXXX I Demand they reinstate this acct. ASAP as this acct wasn't on the list I can provide proof of the accounts that was asked to be VALIDATED listed within the Certified Paper work that was received on XX/XX/XXXX I can provide this proof if requested I WRITE THIS TO INFORM YOU OF THIS FRAUD PRODUCED BY XXXX, XXXX, TRANSUNION etc. If results are not done by XX/XX/XXXX a lawsuit will be filled on these 3 credit reporting agencies UCC 1-308 WITHOUT PREJUDICE

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 2021-11-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself to address the imprecision on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and proceed with any corrections or remove this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing a copy of my credit report, I noticed inquiries. I do not remember that I applied for credit with these companies, so I would like to know what permissible business purpose you had for pulling my credit? I have heard of companies pulling credit without authorization and I know it is not allowed under the Fair Credit Reporting Act. I do not authorize these inquires.

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 2021-11-10
Company: EQUIFAX, INC.
State: CA
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:
I am XXXX XXXX and I am submitting this complaint myself to address the imprecision on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX - Date of inquiry XX/XX/XXXX ; XXXX/XXXX XXXX - Date of inquiry XX/XX/XXXX ; EQUIFAX MORTGAGE SER - Date of inquiry XX/XX/XXXX ; EQUIFAX MORTGAGE XXXX - Date of inquiry XX/XX/XXXX ; XXXX XXXX - Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: AMERICAN EXPRESS COMPANY
State: TX
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 obtained the Premier Gold Amex Card which was offering Earn XXXX Points after using the new Card to make {$2000.00} in purchases within the first 3 months. 
When the account was opened I called to assure that my account was eligible for the bonus offer, I also called during the time I had the card and after I reached my {$2000.00} worth of purchases. 
After I spent the expected amount on my premier Gold Amex  the points were never issued and after speaking with XXXX a supervisor in Texas she decided not to do anything about the situation. 
XXXX cold transferred me to XXXX ID # XXXX in XXXX, Florida who also could not do anything to assist me. 
The company does want to do anything to justify the situation. 
A case # was opened with them but they are informing me that it's just for their records but they can not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX I received a notification about a debt collector from procollect which the original creditor stated it was XXXX XXXX. As a result, I never lived at that complex let alone owe XXXX. I contacted the original creditor notifying them of the issue and I was told that I am not in their system and they don't have any records of me living there. As a result, procollect sent me a letter stating to provide identity theft information, police report etc. I DON'T HAVE ANY OF THAT FIRST OFF, I NEVER LIVED THERE, AND SECONDLY, THIS IS NOW 6 YEARS LATER, I NEVER KNEW SOMEONE GOT AN APARTMENT IN MY NAME AND NOW THIS CROOKED COMPANY IS TRYING TO MAKE ME PAY FOR SOMEONE ELSE 'S MISTAKES. I DON'T THINK SO AND I'M NOT SENDING IN NO DOCUMENTS THAT I DON'T HAVE BECAUSE I NEVER LIVED THERE SO IF YOU THINK YOU ARE TRYING TO SCAM ME OUT OF XXXX XXXX THINK TWICE BECAUSE BEFORE I PAY THIS RIDICULOUS AMOUNT IT WILL REMAIN ON MY CREDIT REPORT UNTIL XX/XX/XXXX. AND GUARANTEED THIS WILL NOT BE THE LAST COMPLAINT I MAKE I WILL MAKE SURE THE FTC COMMISSIONER KNOW ABOUT THIS CROOKED BILL COLLECTOR PROCOLLECT IS MAKING PEOPLE PAY FOR IDENTITY THEFT ACTIONS THAT HAS BEEN CAUSED BY SOMEONE ELSE.

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 2021-02-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Wellsfargo credit card back from XX/XX/2013, it has been charged off and closed. It has been over 7 years since this credit was open. I do not owe this money anymore. Please assist with 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 2021-11-10
Company: JPMORGAN CHASE & CO.
State: WA
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:
Did a timeshare tour in XXXX in XX/XX/2021, declined the timeshare, they wouldnt allow us to leave until we spoke to an exit agent who then sold us a travel club promised hugely discounted travel around the world in 2 bed accommodation for $ XXXX- {$490.00} per week. During the sale they did not show us the product just promised lots of things. Paid via Chase Visa card, was nervous but knew I have credit card protection if it was a scam. The company XXXX  XXXX violated my legal rights to cancel by not furnishing me with the log in details to the travel club until way past the time period. Received log in after a month. Once received, it was clear that the whole travel club is a scam and a fake front for discounted travel. Disputed the charge with the bank 3 times, provided solid evidence that it was a scam /breach of contract - goods not delivered as per contract /substandard. Bank rules in the favor of the merchant just by the merchant merely submitting a copy of the contract. The bank did not protect its consumer from a scam and not did the merchant provide evidence that they fulfilled the contract. The merchant did not deliver what was in the contract and paid for. Request full credit for {$4800.00} ( {$4300.00} & {$590.00} ) also some action needs to be taken so this come can not be scamming consumers, maybe their credit card status should be frozen. Their current XXXX XXXX XXXX rating is an F.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It was a account thats was no longer in use because my brother had XXXX XXXX but they continue to charge

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