BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my XXXX XXXX loan # XXXX. 

It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days. 

XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having XXXX report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have noticed over the past few months between XX/XX/2018 to present that there were accounts being added to my personal file that do not belong to me through monitoring service. As this account XXXX XXXX has appeared on my file on multiple occasions totaling {$200.00} through individual accounts listed under the same company XXXX XXXX. I am a victim of identity theft on multiple accounts as it has been reported and currently being investigated. Ive reached out to this company multiple times regarding this matter and have reported this account as identity theft.

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 2023-11-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2022, I requested a new credit card and new number. The replacement card was exactly the same ; and although nothing seemed wrong at first, Ive been unable to log into my account to pay bills online. I have called and written to regain access to my account but I have no online access. Ive had to request statements by mail, which has been problematic because there has been a significant amount of theft and mail tampering in my building.

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 2020-01-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BREACH OF TRUST, CONFIDENTIALITY, AND SECURITY On XX/XX/XXXX my husband and I saw XXXX at Citizens Bank, XXXX XXXX XXXX, XXXX, NH  XXXX. We needed to make adjustments to our online banking. We each have a checking account and a credit card. We no longer require access to each others accounts. XXXX told us these changes would take effect the following day. 
Next day we logged in. We can now see each others accounts but not our own. 
When I called the banks main office I could not speak to a representative by giving the last four digits of my SSN. I had to give the last four digits of my husbands SSN. He called in to Citizens to pick up forms for signing. 
XXXX had told me on the phone that I needed to change my logon and/or password but refused to talk me through the procedure. XXXX the manager did talk me through it. I changed my password but it did not solve the problem. She said the accounts got mixed up by the person who opened the accounts in the first place. I find this hard to believe. My account was opened in about XXXX of XXXX. How did this error go unnoticed all this time? 
Today, XX/XX/XXXX, the problem has not been resolved. I can not check balances, transfer money, pay bills, stop a check, or do any other banking online. I cant see if there has been a fraudulent transaction. 
We do not know if our debit and credit cards work. 
XXXX handwriting is an untidy scrawl. He made mistakes with figures on the forms and missed details. He has been extremely unhelpful and was surly to my husband. 
Most distressing of all is that when I logged in this morning, XX/XX/XXXX, to find nothing had been resolved, the first thing I saw was my husbands checking account summary, with a transaction I should not have seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account number ( 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 # XXXX ) - ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX ) - ( the bureaus # XXXX ) - ( XXXX XXXX # XXXX ) - ( XXXX  XXXX # XXXX ) has violated my rights. 
15U.S.C 1681 Section602 A. States i have the right to privacy.

15 U.S.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 2022-02-25
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:
Experian will not remove address that I was never associated with also tried to dispute account it was fraud and they won't remove address in question is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX nevada when I spoke with experian they said they would have to inform creditor of my other addresses which is against the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX {$4800.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2023-03-13
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased Vanilla Visa gift card for {$150.00} at my local retailer. After many phone calls and emails but my gift recipient and I have been unable to recoup the company. I contacted the retailer and they created a case # and told me that they show it as properly activated o their side. After weeks of waiting they told me that while they filed a claim with Incomm, they are not hearing back for many months so I should call directly. On XX/XX/XXXX I called directly, waiting on hold for over an hour, and provided all of the requested documentation ( attached ). They assigned me a ticket # XXXX. They told me that I would hear back in 7 days. On XX/XX/XXXX, they sent an email not with a resolution but requesting the exact same info! I re-sent the info on XXXX and asked to speak with a supervisor. I did not hear back. On XXXX they sent another email requesting the exact same info. Frustrated, I sent it again and asked again to speak to a supervisor. I received no call. Today, I call and waited 51 minutes to speak to a supervisor. She told me that she could not help me as she shows that I sent the info on XXXX and I need to wait 7 days. I explained everything to her. I believe they are purposely re-sending documentation requests every 7 days to " reset the clock '' to keep putting the innocent consumer at a disadvantage. They have now held my money for 3 months for no good reason. It is clear that they are making it so difficult so that, at best, they hold onto the money longer and, at worst, hope consumers will get tired and go away. There need to be oversight on this company and penalties for keeping a consumer 's funds. Having to send endless emails and waiting on hold for an hour at a time appear to be intentional practices to avoid compensating the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This company preys on those who are already in a bad situation and in need of assistance and they claim to do something but i have not gotten anything taken off of my credit report and pne of my creditots was a hospital e.r. visit and i called my health insurance carrier and found out I was covered that whole year so I asked if this credit repair agency XXXX XXXX XXXX could get the invoice number so I can get this taken off my credit it's been I don't know 3 weeks or something and nothing 's been done and they charged me a hundred and something dollars and when I try to do the chat window I said on this waiting waiting waiting waiting window for I don't know how long 45 minutes or something finally I just hang up you know I have to

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently received a copy of my XXXX credit report and noticed that the information provided was inaccurate. Based on the FCRA all information that is reported needs to be correct and accurate.

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 2022-02-25
Company: GOLDMAN SACHS BANK USA
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:
Transaction date : XXXX XXXX, XXXX XXXX name : XXXX Disputed amount : {$4900.00} Reason for dispute : merchant claims they never received the return. 

Apple card rejects my case and sends a letter in the mail stating the merchant never received my return. ( See attached doc ) Apple card closed this case XX/XX/XXXX stating " The XXXX evidence states the Customer initiated a return and returned the item to the XXXX outside of the return window timeframe. '' PLEASE SEE THE CONSUMER FINANCE COMPLAINT ( XXXX ) Dispute : XXXX Apple Card closed the re-asserted case XX/XX/XXXX with a different reason " The Merchant received the merchandise on XX/XX/XXXX, and shipped the merchandise back to the XXXX " PLEASE SEE THE CONSUMER FINANCE COMPLAINT ( XXXX ) Apple card Goldman Sachs keeps changing the reason why they won't refund me and continues to side with the merchant without providing me any evidence from the merchant. THIS IS COMPLETE FRAUD. Each time I send them new evidence to disprove their claims, they change the reason why they can't refund me! 



APPLE CARD GOLDMAN SACHS HAS NOT PROVIDED ANY EVIDENCE THE MERCHANT SENT THE ITEM BACK TO ME VIA MY MAILING ADDRESS NOR HAS GOLDMAN SACHS SENT ME A LETTER IN THE MAIL STATING THIS NEW CLAIM. 

APPLE CARD GOLDMAN SACHS IS COMMITTING FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft DSNB MACYS Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

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 2018-12-12
Company: AMERICAN EXPRESS COMPANY
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: Didn't receive advertised or promotional terms

Complaint:
I recently upgraded my XXXX Amex card to the XXXX XXXX   card, with the understanding that I was eligible to receive XXXX promotional points for meeting spend requirements within the first three months of the upgrade. I exceeded the soend requirements within a month of the upgrade. When I called to confirm, Amex initially told me that I should wait 6-8 weeks for the points to show, but that I was eligible to earn the points. After waiting as I was told, I have still not received my promotional points. When contacting Amex customer service, I was given the runaround and told that a ) no promotional bonus was attached to my account and b ) that I should wait another 6-8 weeks for the team to investigate. It has been over 10 weeks since the initial inquiry, and I still have not received my promotional points despite having hit all spend requirements and paid for all annual fees/payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have XXXX separate credit cards, Capital One which is a general card, and XXXX which is a store card. A few months ago Capital One took over the billing for the XXXX card and the e-bills that come via email are identical. They make no distinction on the XXXX bill except the credit card number. SO unless I note the number, it appears I am receiving a duplicate bill and it is deceptive. Twice I have been late with the second bill because I have thought I already paid it. It is deceptive for Capital One to NOT LABEL the bill that is for the XXXX account. There is no reason for them to not distinguish between the XXXX. I have asked them to combine both balances and they said they are not set up to do such a thing. This is affecting my credit score and should not be allowed. It is still a XXXX card. I have not received a new card. The billing should still say XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
How ridiculous- after sending me numerous reports they continue to send this diversion!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 23rd 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 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

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 2022-02-25
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In late XX/XX/2022, my spouse mentioned to me that her account was getting a XXXX XXXX  monthly fee and it was eating up the little savings she had in the account. So on XX/XX/XXXX, I wrote a check from my account at Citibank to deposit in her account which is also at Citibank. I checked with her daily to make sure it had been deposited and today I found out the check had been returned and her account assessed a {$12.00} fee. When I asked about why the item was returned I was told initially that my account was frozen which turned out to me false. A second customer service representative then told me that I had not " activated '' my check book in order to write checks so any check I wrote would be rejected. I couldn't find any reference in my account agreement, online, or on my check books to any requirement to " activate '' my checkbook. I tried searching the citibank website and the web generally and only found ways to activate a debit card and complaints from other people about getting their checks returned and facing fees from other companies. On top of that, the customer service person I spoke to couldn't figure out how to activate my checkbook either. This seems to me to be a deceptive and or unfair practice under XXXX. After a third call I was able to get a rep to refund the fee on my wife 's account, this rep also had no idea about activating a check book. But could you imagine the headache of what would happen if you got that check rejected at a store? Well the complaints I found online certainly got to experience that. End of the day I had to waste a ton of time to get the refund and now I want to close my account. Oh but wait, I can't write checks still because no one can activate my checkbook. If I try to close my account Citi will take 15 days to send me a check. I tried to set up an online transfer out of the bank but I am limited in how much I can remove each month. So my money is stuck at Citibank for at least two weeks. The banks practices here need some scrutiny. They are harming consumers with this activation process that is not standard in banking and comes with no notice.

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 2023-11-13
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
on XX/XX/, I applied to consolidate my loans and be placed on the SAVE plan. It is now XXXX XXXX XXXX And I have yet to have this process completed. In that time period, over XXXX XXXX XXXX XXXX XXXX in interest has accumulated on my account due to servicer unable to timely process my application for SAVE ; I called Aidvantage multiple times and was told I just need to wait for it to process. I asked to speak to a supervisor and was told that was not an option; was hung up on on one of my calls with Aidvantage. 

This is unacceptable. I have provided studentaid.gov and Aidvantage with all the information / paperwork needed to process my consolidation/ SAVE application ; because Aidvantage has been unable to process my form in a timely manner, I have thousands of extra dollars in interest on my loans. This is a financial harm to the borrower and in my opinion is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been an active coinbase user for years. This past year I have made many transactions using XXXX XXXX, XXXX, XXXX XXXX all on XXXX account. On XXXX XXXX. made a small bitcoin transaction for {$50.00} ( my balance was XXXX ), and the day after the rest of my bitcoin was taken out of my account. In my transaction logs, it says this transaction is for " XXXX XXXX XXXX I did not receive any notification or email or text that this would happen, it just did, without notice. After contacting coinbase support multiple times, they gave me the same answer : XXXX XXXX happened when funds haven't been touched in XXXX years. I don't understand how this can be allowed when I have been ACTIVELY using my account, and the day before I made a XXXX transaction. I know this is a system error, but coinbase support has offered my no help. HUNDREDS of other people on reddit have this same issue, where Coinbase is draining their accounts, on the basis that the funds havent been touched in years, when in reality most of these cases involve active traders. This is seemingly a large issue but coinbase is trying to hide it, they are not giving any update about this issue, and they stole my money.

Company response to consumer: Closed with monetary relief