BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for a joint checking and savings account on XX/XX/2018. The offer at the time was for a {$400.00} bonus if I kept {$15000.00} combined in the accounts for 60 days, and the bonus would be credited to me within 90 days of time interval completion. This means the latest date the bonus should have been credited was XX/XX/XXXX. As of XX/XX/XXXX, no bonus has been credited. I have contacted Citibank on XX/XX/XXXX to check on the issue and I was promised that the bonus would be credited by XX/XX/XXXX. On XX/XX/XXXX, I contacted Citi again because the bonus was still not credited. A case was opened on my behalf and I was assured that I would have a response within 2 business days. I received no communication from the bank regarding this issue in those days. I contacted Citi again on XX/XX/XXXX, and was told that the case was received and established that I was eligible for the bonus, and that the bonus would be credited to me within 3 business days. 3 business days have since passed, and no bonus is pending or posted to my account. I feel I have been very patient with this issue and I am extremely dissatisfied with Citibank regarding the process.

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 2019-09-09
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I Opened A Virtual Wallet account on XX/XX/2019 With PNC Bank. I Was Not Giving A New Card And My Old Card Was Deactivted. Messaged PNC Via Online Chat Was Told The Card fee And expidted Card Would Be free. On. Monday XX/XX/2019 I Was charged For both the card fee and Was told they would monitor the account. and they will not .take it off immediately And that the woman XXXX XXXX Would not approve me for the promotion going on for recieving XXXX XXXX XXXX or XXXX dollars after sixty days and think that its very unfair Considering the hassle pnc. has given me regarding opening this new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 Midland Credit Management Received a Pre-legal notification today from above debt agency. Called to request a validation letter. Spoke with XXXX XXXX around XXXX. When I requested the letter he told me that they already sent out the validation letter in XX/XX/2020. Explained to XXXX XXXX that I never received the letter. He then asked, How is it that you recieved this notice but not the validation letter? Advised that is the question for the US Postal service. I do not control the mail. I asked again for them to send me the letter, because I need proof of the debt. He stated they can not send it to me because they are only sent out once. Advised again I need proof of debt, i.e original contract, proof of billing and credit. He said they can not send it. I advised I will send my request in writing and they have 30 days to provide me what I am requesting. If nothing is provided in that time frame, I will consult my attorney for guidance. XXXX XXXX stayed he will note that on the file. The call started off rocky, he was trying to force me to verify information I was not willing to verify. Address- I stated that is the address on the notice that I recieved. We ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I HAVE FRAUD ACOUNTS, ADDRESSES AND INQUIRIES. PLEASE REMOVE THESE ITEMS ASAP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent in information to Credit Acceptance. I have never opened an account with them. Someone stole my identity and they used my personal information to open a account. I never had a vehicle with Credit Acceptance. Whoever did opened an account and used my info to get it. i don't have any idea on how this happened. I have had multiple accounts opened in my name and I have never had a vehicle with Credit Acceptance. I am XXXX and don't have any money to pay this company for a that I never knew about nor owned. Someone posed as me and got a account opened with my information.

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 2020-10-12
Company: Experian Information Solutions Inc.
State: NJ
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 CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20 XX/XX/20 XX/XX/20

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 2019-09-07
Company: AMERICAN EXPRESS COMPANY
State: IA
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:
In XX/XX/2019 I received an offer to apply for a Delta Skymiles Gold card. I received both a flyer in the mail and email with the same offer. Part of the offer was that the {$95.00} annual fee would be waived the first year. In XX/XX/2019 I applied for the offer online through the website provided in the flyer and using my Skymiles number to access it. I was approved by American Express and began using my card. When I received my first statement I noticed the annual fee had been charged, so I contacted AmEx through their online chat on XX/XX/2019. I was told " There is no such offer for no annual fee for first year. '' I disputed this and was told they would open an investigation. I thought I still had the flyer in my recycling, but could only find a different flyer which I had received after applying for the original offer, although this offer also included a no annual fee the first year. I had also deleted the original emails after having been approved for the offer. I called AmEx on the phone and was told to check back on the status of the investigation. On XX/XX/2019 I contacted AmEx through their online chat. I was told the investigation was closed and " the image you've uploaded supporting your claim regarding the annual fee waiver offer could not be loaded at our end. '' I had never been asked, nor tried to send an image. The investigation was reopened, but since I have no proof of the offer I feel this will not resolve the issue. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
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:
A charge of XXXX from XXXX was charged to my USAA visa XX/XX/XXXX. I made a payment of {$100.00} on XX/XX/XXXX. This was to oay the XXXX and {$100.00} toward a balance transfer that is not currently accruing interest. I was charged interest om the XXXX for XXXX and XXXX. USAA denied my right to pay this interest bearimg charge, and claims that I was unable to pay this until the XXXX statement, when I spoke with them today, XX/XX/XXXX. I believe this is an unfair practice. I should be allowed to pay interest bearing purchases as soon as they are charged to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original creditor was charging me for boxes which was XXXX. After switching companies a third party company working on behalf of XXXX came out to the home and picked up the equipment. I am assuming that there was a miscommunition between the two companies. The equipment has been picked up and verified. This debt has been removed several times, but is reinstated on my credit reports with the 5 day notification, nor reason why it is able to be reinstated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Comerica
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Direct Express is the most difficult place to reach someone for help. Their CS people give wrong or partial information and usurp cases and disputes. They do not explain nor care if you can actually reach them about what the problem is. They do sham denials on disputes consistently on many people including myself. 
Money is lost. Lives are affected. This bank is horrible and social security needs to warm revieptients of all problems associated with using this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07
Company: WELLS FARGO & COMPANY
State: OH
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:
Someone opened an account in my name and I never knew about it. I never opened an account in XXXX XXXX. I never lived there nor did I know about this account. I want this account to be investigated. I have tried to reach out to Wells Fargo in regards to this account. They contacted me in regards to the wrong account. XXXX XXXX XXXX reported an account with Wells Fargo. i never opened an account with wells Fargo. It is a fraudulent account that I never opened. They didn't do a proper application. It was any credit or application or any other account. The fraudulent account number is Account # : XXXX It was a checking account that was opened.

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 2018-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Company neglected to answer all questions in original complaint. Company has violated my rights

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 2020-06-20
Company: EQUIFAX, INC.
State: UT
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:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: ID Analytics, Inc.
State: AZ
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX and on XX/XX/XXXX two dispute letters accompanied by several copies of my personal documents were signed and delivered to SageStream about several inaccuracies that are still currently reporting on my SageStream Consumer File.

I've also mailed a 3rd dispute letter to SageStream that was signed and delivered on XX/XX/XXXX that i'm still currently waiting on as well. 

As of XXXX XXXX my first dispute letter delivered on XX/XX/XXXX is currently 93 business days late as to responding to my dispute. 
As of XXXX XXXX my second dispute letter delivered on XX/XX/XXXX is currently 39 business days late as to responding to my first dispute This is unacceptable and SageStream is in violation of the fair Credit Report Act by not providing me an answer in the 30-35 time period of providing me any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
never sent verification of debt

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 2018-06-15
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I would like to describe a clear violation of UDAAP perpetrated by PNC Bank against me and most likely many other consumers by PNC not properly or accurately disclosing the actual process and delays in crediting accounts for an internal PNC account to account funds transfer ( causing significant financial penalty fees - " Overdraft '' to my account ). 

I recently arranged ( XX/XX/XXXX ) to transfer {$400.00} from one PNC checking account to a PNC Line of Credit Account which covers another PNC cheeking account to ensure I would not overdraw the account. The PNC Bank - Online Banking site clearly discloses a " 1-day delay '' to process the transfer which would have meant the credit to my line of credit account would be made by XX/XX/XXXX ( which in fact it was ) and in time to cover my account against any shortfall. The problem is that PNC did not make such funds available in my Line of Credit account which caused my personal checking to overdraw and to-date incur over {$200.00} in overdraft fees - nice scam if you can get away with it, In speaking to representatives of PNC Bank, they noted they could not assist me with returning my overdraft fees since it was not bank error and they noted the delays in crediting my Line of Credit account would have been disclosed to me in account opening agreements that were provided to me several years ago. This is where the UDAAP violation appears to be. The proper place for disclosing delays in crediting ones account should be on the Online Banking transfer page and not buried in the " mice-print '' of a document provided years prior. 

This incorrect and misleading disclosure of the " 1-day delay '' on the Online Banking transfer page would cause any reasonable consumer to believe that monies that they are transferring from one PNC account to another PNC account would also be available in the receiving account pursuant to the " 1-day delay '' as disclosed. 

I am asking the CFPB to investigate this practice and require PNC Bank to provide restitution to any and all clients that have been adversely impacted by PNC 's flagrant violation of what anyone reasonable consumer would consider unfair, deceptive and abusive. 

I am also asking that PNC Bank correct its Online Banking site to provide accurate and meaningful disclosures about the timing and delays associated with internal PNC Bank funds transfers to inform clients and prevent predatory actions and fees from being assessed. 

Finally, I am asking that PNC Bank refund any and all overdraft fees related to this recent clear UDAAP violation to me as soon and their investigation is completed and confirm such in their formal response to the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-28
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
debt was transferred to me after my wife disputed it from being on her credit report and it was deleted. it was her debt to begin with and the Dr office would not correct the Faulty XXXX XXXX she had fitted. XXXX XXXX sold the practice to XXXX XXXX who refused to correct the problem. they said it has been turned in to collections and we are through with it and you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I stopped to refill a rental car at a gas station near XXXX XXXX, XXXX on XXXX XXXX, XXXX. The rental car is a XXXX XXXX XXXX ( XXXX ) with a tank capacity of 12.2 gallons ( contract is attached ). I filled a few liters of gas and the amount was about XXXX MXN peso. The attendant claimed the machine wasn't working and took it away. They then brought it back and said it went through. I did not have a receipt. When I checked my credit card statement, I saw a charge of {$100.00} USD. 

I immediately filed a dispute with my credit card company ( Chase ). The merchant provided a signed receipt that showed someone else 's signature. The signature does not match my signature ( as shown in my attached ID documents ) and I can confirm that this is not my signature. 

Chase dispute resolution transferred my case over to Chase fraud, who accepted it as a fraud case because of a forged signature. After investigating they said it was not a fraud case and needed to go back to disputes. It has been over 4 months of ongoing calls and I have spoken to them many times, and it keeps bouncing between fraud and disputes. No one at Chase is taking ownership of the case and they have said I am liable for this transaction, even though I did not authorize the transaction and the signature is clearly fake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I am contacting you regarding my Citibank checking account that was unfairly closed on XX/XX/XXXX.My account was positive with a balance of {$1000.00} that I have never received. I was told over the phone and a letter I received that they will issue an official check for that balance to the address on file. As of XX/XX/XXXX, I have never received any funds and I need that money to pay my rent and other bills. 

I have banking with Citibank the past 8 years. My account was always in good standing and I never have any issue with them or other financial institutions. 
They closed my account because I received 2 wire transfers from a friend on XX/XX/XXXX and XX/XX/XXXX for the amount of {$5000.00} each.They said my account will be temporary closed for investigation due to the reason I received 2 wires transfers. 
I can guarantee I am never involved in a fraud activity or money laundry and I have all the necessary documents to provide for justification.Citibank  never get back to me. Each time I reach out to them, they provide me a different answer.I can not access my account online and they don't give me an update after investigation. They just simply closed my account and didn't provide any check.I was back and forth with them for over a year now. 

Please investigate! I need Citibank to issue me a check for the balance of {$1000.00} that was in my account. 

I am looking forward hearing you. 

Best regards,

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 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.

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 2019-09-07
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were refinancing our house with Union Bank in XXXX. We received approval of the loan - then the bank decided to add another point to the loan after approval. The loan had taken six weeks to process when I asked what was taking so long and why they added a point after approving the loan. They finally said they had decided to cancel the loan.

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 2018-07-06
Company: Bushwood Capital Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls at my place of employment to collect a debt that was already paid. When transferred to voicemail they do not leave a message and will just call back until I eventually take their call. 
Bushwood Captial Group First it was XXXX. Now it is someone named XXXX ( XXXX ). 
The debt was already paid to the original creditor - XXXX XXXX XXXX {$190.00} However, they still continue to call and harass me at my place of employment. 
This time XXXX said they are taking legal action to sue me. 
I have already supplied them with the receipt of the original creditor XXXX   XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation