BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is related to charge from XXXX on XX/XX/2021. 

It is the second time, in a row, I order food from XXXX that arrives different from I ordered. 
I complained both times, this second time I was not replied to. 

This second time, they put a different sauce than I ordered - not sure if it was a plain mistake, or a replacement. I was never informed my pasta would come with a different sauce. 

It was appropriate to dispute the charge, not just to make it right but so they really investigate this and learn they need to pay more attention. 

First of all, Citibank started asking questions as if food is a merchandise. Food is not a merchandise that can be simply returned. It is unsanitary, food should not be thrown away just because sauce is different ( I don't do that - would you? ), and you can't really expect that after waiting for it, you can just take it back XXXX so they throw away? ) and then wait longer for another dish. 

I answered all questions and then when I answered NO to if I had successfully returned the merchandise (! XXXX, Citi prevented me from opening the dispute. Then, now it blocks me from opening the dispute if I try again. 
Just absurd. 
Very customer unfriendly policy. 
It feels like I'm bothering Citi by opening a dispute, as a cardmember. 

The restaurant made the mistake twice and was not responsive to my complaint ( never reached back to me ). It is appropriate they receive a dispute. 
I have photo of the food if that is necessary. 

Important notice for you, Citibank representative, reading this complaint : I only have one Citibank credit card and only use it when there is an offer like the current dining cashback, because I know how poor Citibank service is. I would never consider paying annual fee to Citi, this bank ( just like this restaurant now ) is not worth a penny from my wallet. It looks like I will keep having just one annual fee-free card and not expanding relationship with Citi. You keep showing me how invaluable customers are to you. Nothing beats XXXX XXXX customer service, that is why I spend thousands in my XXXX card every month, and I'd like to suggest you to use XXXX XXXX even as a Citibank employee. You will receive proper service when needed.

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 2022-11-22
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Experian continues to report inaccurate account information on my report. I have sent them written notices multiple times since XX/XX/2022. Experian deleted the account then reinserted it less than a month later. This is defamation of my character.

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 2018-04-21
Company: Innovis
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXto enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Caller called and state who they are. They became threatening and telling me it was recorded etc. I asked who they are calling and for what and they still were very ignorant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Someone keep hacking my NetSpend account! they are using my account number and keeps Stealing my personal information without my consent! 












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 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX  XXXX of XXXX at XXXX I received a text message from my wife on XXXX asking me for a favor.She have a Bussines and sometimes ask me to send money to a costumers for products that she needs on her jobs.This time say about {$500.00} to send for XXXX XXXX XXXX ( XXXX ) XXXX.I send by XXXX.Then after asked me : What is your spend limit and I note that something is wrong and called my wife directly.She tell me that her XXXX  account was still from someone just minutes before.So this people moved very fast.I called at my bank and XXXX  claims, but they just respond in a letter that they cant do nothing to help me.So please .I need help about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: SYNCHRONY FINANCIAL
State: SC
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: Was not notified of investigation status or results

Complaint:
there Are items on my credit report that i have disputed and i haven't received any results about the investigation

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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX/XXXX/2020, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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 2021-03-26
Company: Commercial Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX they called and left a voicemail stating they would take legal action if I dont respond. They then called my mom. I tried calling them to confront but no answer. 

On XX/XX/XXXX I answered and asked why theyre calling me and calling my mom. Theyre claiming I owe from a past debt still which Im pretty sure I dont. 

Regardless, theyre threatening to take legal action, calling me from Texas XXXX I live in California along where the loan was taken ) and also doing it during early ( XXXX my time zone XXXX pretty sure if they are real, they are doing it on purpose knowing Im 2 hrs behind. In addition to this, when I googled them online theyre being reported as fraud.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I have been scammed by someone pretending as a motorcycle seller on this website XXXX XXXX XXXXXXXX XXXXXXXX Providing phone number for customers to contact him via XXXX, I had contact him to buy XXXX motorcycle, he tell me that the complete price is XXXX $ then we have agreed to pay to him XXXX $ XXXX, than I got to bank to make the transaction XXXX $ wire transfer to him bank account The bank { Bank name : Bank of America ( Boa XXXX XXXX : XXXX XXXX Acct number XXXX Routine number : XXXX Wire ( Checking account ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX United States Amount : XXXX XXXX ( upfront deposit ) } the name is XXXX XXXX and he call me via XXXX that was man voice I have all XXXX  conversation with him ( his phone number XXXX ( XXXX ) XXXX ) I hope I hear from you soon as possible. 

Also I know that his bank is ( Bank Of American ), My Bank is ( XXXX XXXX  ) Also Im already got to both banks XXXX XXXX told me that they cant cancel the transaction more than XXXX minutes that already done, Bank of American that I cant report in the bank.

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 2021-11-27
Company: EQUIFAX, INC.
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:
I the consumer original creditor never gave XXXX or any other credit reporting agencies written or verbal permission to have a credit report on me. I want all negative remarks and accounts removed. I requested on several occasions to remove XXXX XXXX XXXX from my credit report due to fraud and violating the FCRA and FDCPA. I never gave them written or verbal permission to give any of my information to any credit reporting agency and I want them removed my credit report and all hard inquiries. I AM SEEKING MONETARY VALUE FOR DAMAGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: GA
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 act : Section : 15 U.S.C 1681 Section 602A States I have the right to Privacy 15 U.S.C 1681 Section 604A Section 2 Also states a Consumer Reporting Agengy can not furnish an account without instructions. 

These accounts have Violated my rights. based on the fair credit act sections. 

XXXX acct # XXXX XXXX XXXX and XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX acct # XXXX Also I have uploaded documentation of the XXXX XXXX bankruptcy stated by experian that is was verified by XXXX XXXX. This Information was disputed by XXXX XXXX which they removed this from the account it was unverified. 

Bankruptcy 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 2018-12-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
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 used the app XXXX XXXX to show a hard inquiry from Citizens Bank with an inquiry on XX/XX/2018. I don't recognize this inquiry, I've never spoken to anyone at this bank and this bank doesn't even have a branch in the state I live in. I called their corporate customer service number and the representative said they couldn't help and I needed to contact a branch manager. I contacted a branch manager and they said they couldn't help or didn't see my name attached to anything there and I should call XXXX. I called XXXX  and they said I needed to call Citizens bank. I explained to them what I'm explaining here and they said to file a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I just checked my score from XXXX XXXX, while I found out there're two hard inquires today XX/XX/2019, which I never initialed. I went through a crazy identity theft crime on XX/XX/2019, and that person hacked everything, and took all my personal information to call the banks. I believe these two reports from 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 2022-11-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
XXXX XXXX XXXX XXXX XXXX, has some very strange and segregating policies when it come to allowing new people to join their bank. 

I applied and they denied my drivers license/water bill/ electric bill for being fuzzy, or other documents based on their police that every supplied documents must be clear, regardless of if they can be read. 
I received this below letter about 6 times from XXXX XXXX. I called to complain about XXXX XXXX, and then they denied my application saying CHECK SYSTEM a consumer reporting company said I had negative items in my file. Check Systems has old outdated information on file form 5 years ago. I have no missed payments to Banks, and I have paid off most of my late credit cards or store cards when I was laid off from work. 

Dear XXXX XXXX, Our review of your application indicates that we can not accept some of the documentation or information you provided. 

Please provide the following : Kindly note, please provide an alternate utility bill such as an internet bill or gas bill. 

To see the documents/information in question and to upload corrected versions : Go to the membership application : https : XXXX XXXX continue existing application Use the application ID we emailed to you when you started the process to view your application. 

If you have misplaced your ID, click on the application retrieval link in the Application ID field and complete the required information. 

Your ID will be emailed to you. Once you enter your ID, you will be taken directly to the document section of the application. 

For further assistance and any general questions, please contact XXXX XXXX XXXX at telephone XXXX, fax XXXX or XXXX. 

Thank you for choosing XXXX as your financial institution. 

Sincerely, Membership Support Processor II Retail Services ( T ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, We regret to inform you that your membership application has been declined due to information obtained from ChexSystems , Inc. ChexSystems did not make this decision and is unable to supply specific reasons why we have denied your request. 

You have rights under state and federal laws, including the right to : Obtain a free copy of your report if you make a request to ChexSystems within 60 days of receiving this notice. 
Dispute any inaccurate or incomplete information contained in your consumer report with ChexSystems. 

You may contact ChexSystems by using the contact information below : Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Telephone : XXXX Fax : XXXX Web : www.chexsystems.com

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 2020-11-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX XXXX. I have checking and saving accounts with Chase bank. The accounts got froze on XX/XX/2020 because an SBA loan in the amount of {$7000.00} was accidently deposited into my personal checking account. The SBA loan is a legitimate loan I got from the government SBA back when COVID 19 affected my XXXX XXXX XXXX XXXX. I have documentations including loan agreement and monthly statements that will proof this amount of {$7000.00} was not in any way an illegal money deposited into my account. I did called an SBA officer inquired as to why my accounts got froze. He stated that if the accounts got froze, it was not because of SBA. He stated Chase bank should not have freeze my accounts for any reason. 
After finding out all bank activities did not go through, I called and visited a Chase bank in XXXX TX. The bank associate informed me my accounts got froze because the SBA loan got deposited into my checking account. They want me to show them the proof. I showed them the loan agreement and the terms of repayment statement. The bank associate contacted her branch manager and I was informed they will send me a check of the accounts balance. They asked me to wait and give them time to process. I gave them weeks to complete but they never send out a check or unfreeze my accounts. The accounts are still there with the balance of {$7800.00} in checking and {$500.00} in savings that I have no access to them. Whatever document they required or requested I provided to them but they still would not address the situation. They are not forthcoming or interested in solving this problem for me. They want to keep the status of these accounts as is. In the meantime, I am require to repay the loan monthly to the government. 
Recently I was informed Chase will soon close the accounts. I have made numerous attempts to have Chase release my money. I felt like they are ignoring me. I ask you to intervene on my behalf because I dont have the time and money to hire an attorney.

Company response to consumer: Closed with explanation